Why builder's risk is its own thing
A standard homeowner or commercial property policy assumes a finished, occupied building. From the day you break ground through certificate of occupancy, you're in a coverage gap that only a builder's risk policy fills.
Ground-up & major rehab
For new construction, we write coverage that scales with the project value as it climbs — protecting the structure, materials on site, materials in transit, and (with the right endorsements) soft costs like permits and architect fees if a covered loss delays the project.
Fix & flip-friendly
Vacant buildings under renovation are notoriously hard to insure with standard carriers. We've placed builder's risk for hundreds of rehabs through Prosperity Construction — we know which carriers actually want this business and which will non-renew you the moment scope changes.
Short-term & project-length terms
Builder's risk is written on a project term — 3, 6, 9, 12 months, occasionally longer for ground-up commercial. We'll right-size the term to the construction schedule so you're not paying for coverage past the day the homeowners or commercial policy takes over.