Chubb vs Coverdash Builders Risk Insurance

Chubb underwrites builders' risk insurance directly for commercial and residential contractors and for engineering construction such as bridges and tunnels. ⁴Company-reported. Builders' Risk Insurance product page.

Coverdash arranges builder's risk coverage as a broker rather than underwriting it, saying it compares quotes from multiple insurers and assigns each policyholder a dedicated advisor. ⁸Company-reported. Builder's risk product page; describes the brokerage model for this line, not a specific insurer's product.

Not described in the reviewed sources.

The builder's risk product page does not name the insurer that would issue a given policy; it describes only comparing quotes from Coverdash's panel of insurers. ⁸Not publicly disclosed. Page checked 2026-09-23; the issuing carrier for a specific quote is not disclosed here.

Chubb targets contractors, developers, owners or homebuilders with an active construction program and a strong property-preservation management approach. ⁴Company-reported. Target clients section.

Coverdash markets builder's risk coverage to property owners, general contractors and developers, saying it's usually required by lenders and project agreements for a project from the ground up until it's complete. ⁸Company-reported. Who it's for section and FAQ; illustrative audience, not an exhaustive eligibility list.

Chubb offers Individual Project Builders Risk and Master Programs, difference-in-conditions coverage for selected construction projects, both physical-damage and delay-in-opening coverage, International Builders Risk for U.S. domestic clients, a portfolio of green endorsements, and contract-penalty coverage tied to a covered physical-damage loss. ⁴Company-reported. Coverage list; subject to the policy as issued.

Builder's risk coverage includes the building or structure while under construction or renovation, materials and supplies on-site, in transit and in storage, and common perils such as fire, theft and weather during the build. ⁸Company-reported. Types of Coverage section; subject to exclusions and terms in the policy as issued.

Coverdash includes soft costs as part of builder's risk coverage: indirect expenses from a covered delay, such as extra loan interest, permit fees and lost rent. ⁸Company-reported. Types of Coverage section and FAQ answer on soft costs.

Coverdash's FAQ says a builder's risk policy typically runs 3, 6 or 12 months, starting when work begins and ending when the project is complete and occupied; terms can be extended. ⁸Company-reported. FAQ answer on how long the policy lasts.

Chubb says it offers capacity in a variety of positions, including primary, full limit, quota share, buffer and excess layer, but the reviewed page does not publish specific dollar limits. ⁴Not found in reviewed sources. Coverage list and Benefits section.

The builder's risk page and its FAQ describe policy duration and soft costs but do not publish limit amounts or deductibles for this line. ⁸Not publicly disclosed. Page checked 2026-09-23; limit and deductible figures were not found on this product page.

Chubb offers loss-control and risk-consulting services on both a bundled and unbundled basis, with underwriters averaging more than 20 years of builders-risk experience. ⁴Company-reported. Coverage list Benefits section.

Not described in the reviewed sources.

Chubb says submissions should include a project description, statement of values, locations, limits and coverage requirements, plus a breakdown of soft costs, pro forma and period of indemnity if delay-in-opening coverage is requested. ⁴Company-reported. Submission requirements section.

You request a builder's risk quote through Coverdash's online form. Coverdash says a policy can be quoted, bought and managed digitally, and that every policy comes with a dedicated advisor from the first quote through renewal. ⁸Company-reported. Why work with Coverdash and the Get a quote call to action; quote speed and advisor availability are company-reported and not independently tested.