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Builder’s Risk Insurance
Construction Coverage That Protects Every Phase of Your Project
Are you building a home, remodeling a property, or managing a commercial construction site in California? You need Builder’s Risk Insurance — also known as Course of Construction Insurance — to protect your investment from unexpected losses.
At Good Fellow Insurance, we provide custom-tailored builder’s risk insurance in California to cover your structure, materials, and tools throughout the entire construction process.
What Is Builder’s Risk Insurance?
Builder’s Risk Insurance is a specialized form of property insurance designed to cover buildings under construction. It protects against a wide range of risks, including:
- Fire, lightning, and explosion
- Theft and vandalism
- Windstorm, hail, and water damage
- Materials in transit or stored off-site
- Temporary structures and construction equipment
Whether you're a contractor, developer, or property owner, this coverage helps ensure your project doesn’t suffer financially from unforeseen events.
Who Needs Builder’s Risk Insurance?
You may need construction insurance in California if you are:
- A general contractor working on residential or commercial projects
- A homebuilder or developer managing ground-up construction
- A real estate investor or flipper undertaking major renovations
- A commercial builder or construction firm operating in California
What Does It Cover?
Your California Builder’s Risk Insurance policy can include:
- The structure under construction
- Building materials and supplies (on-site, in storage, or in transit)
- Scaffolding, fencing, and temporary structures
- Construction tools and equipment
- Soft costs such as permits, design fees, and financing expenses related to delays from covered losses
Optional add-ons can extend coverage for earthquake, flood, or green building materials.
Why Builder’s Risk Insurance Is Critical?
Construction in California comes with unique risks — from wildfire zones and seismic activity to job site theft and weather damage. A basic contractor liability policy doesn’t cover your work in progress — that’s why builder’s risk is essential.
At Good Fellow Insurance, we understand the regional risks and help you craft the right policy based on your location, timeline, and budget.
Insurance Benefits of Coverage
Why Choose Good Fellow Insurance?
- ✅ Local Knowledge – Experts in California construction insurance
- ✅ Fast Quotes – Get coverage started in 24 hours or less
- ✅ Custom Policies – Tailored for residential, commercial, or renovation projects
- ✅ Bundling Options – Combine with General Liability, Work Comp, or Surtey Bonds
- ✅ Hands-On Service – Family-run, client-first insurance brokerage
Get a Free Builder’s Risk Insurance Quote
Let’s protect your construction project before the first shovel hits the ground. We make it easy to get started — just tell us a bit about your build and we’ll provide a quote that’s fast, competitive, and customized.