--- title: "Chubb vs Liberty Mutual: Builders Risk Insurance" description: "Chubb lists delay-in-opening coverage and several project extensions, while Liberty Mutual describes covered construction property with terms set by the selected form." canonical: "https://spot.insure/compare/chubb-vs-liberty-mutual/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "chubb-vs-liberty-mutual" provider-a: "chubb" provider-b: "liberty-mutual" coverage-line: "builders-risk" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-liberty-mutual/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Chubb and Liberty Mutual for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Chubb versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Chubb vs Liberty Mutual for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Chubb or Liberty Mutual? - What does Chubb or Liberty Mutual publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from Chubb or Liberty Mutual? **Key facts:** - Line: Builders Risk Insurance. Providers: Chubb and Liberty Mutual. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Chubb vs Liberty Mutual](https://spot.insure/compare/chubb-vs-liberty-mutual) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Chubb vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/chubb-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Crime Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual D&O Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Surety Bonds](https://spot.insure/compare/chubb-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Chubb vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Chubb Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs Chubb Builders Risk Insurance](https://spot.insure/compare/aon-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) # Chubb vs Liberty Mutual: How Do They Compare for Builders Risk Insurance? Chubb lists delay-in-opening coverage and several project extensions, while Liberty Mutual describes covered construction property with terms set by the selected form. ## How to Use the Chubb vs Liberty Mutual Builders Risk Insurance Comparison Use this comparison to evaluate Chubb and Liberty Mutual for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Chubb vs Liberty Mutual Builders Risk Insurance Summary Chubb lists physical-damage and delay-in-opening coverage with project-specific extensions; Liberty Mutual describes covered construction property, with actual terms remaining form-specific. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") ## What Is Chubb? Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [Chubb profile](https://spot.insure/insurance-providers/chubb) ## What Is Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [5](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [6](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Builders Risk Insurance? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## What Are the Key Differences Between Chubb and Liberty Mutual Builders Risk Insurance? ### Delay and Project Extensions Chubb lists both physical-damage and delay-in-opening coverage, along with green endorsements and contract-penalty coverage tied to covered physical damage. Liberty Mutual's overview names property during construction, including materials, labor, construction-management fees, temporary structures, and landscaping materials; it says the actual coverage depends on the form. A project whose financing depends on an opening date should ask how delay costs are addressed, rather than infer them from the basic property description. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") ### Program Design and Risk Services Chubb offers Individual Project and Master Programs and says its loss-control and risk-consulting services may be bundled or unbundled. Liberty Mutual describes both a named proprietary form and a stand-alone Specialty Property offering, plus property underwriting, engineering, and claims teams for complex risks. Buyers with recurring projects can ask Chubb about a master structure; a single-project buyer can compare either proposal's form and included risk services. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") ## What Should You Confirm in Chubb and Liberty Mutual Builders Risk Insurance Quotes? - Ask Chubb whether delay-in-opening, green, or contract-penalty terms apply to your project and what triggers or sublimits govern them. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") - Ask Liberty Mutual which form is proposed and how it treats the project's materials, temporary structures, and landscaping. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") - Request comparable limits, deductibles, project periods, and risk-control services in both proposals. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") ## Chubb vs Liberty Mutual Builders Risk Insurance Compared | Criteria | Chubb Builders' Risk Insurance | Liberty Mutual Builder’s Risk | | --- | --- | --- | | Role in This Line | Chubb underwrites builders' risk insurance directly for commercial and residential contractors and for engineering construction such as bridges and tunnels. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Builders' Risk Insurance product page..) | Liberty Mutual lists Builder’s Risk in its property portfolio and describes both a named proprietary form and a stand-alone Specialty Property offering. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Who It’s For | Chubb targets contractors, developers, owners or homebuilders with an active construction program and a strong property-preservation management approach. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Target clients section..) | The page addresses contractors and property owners with single projects or portfolios and describes construction projects ranging from buildings to infrastructure; its published project thresholds apply only to the named program option. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Coverage Features | 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. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Coverage list; subject to the policy as issued..) | The builder’s-risk page describes protection during construction, including materials, labor, construction-management fees, temporary structures and landscaping materials; actual coverage remains form-specific. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Limits and Retentions | 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. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Not found in reviewed sources; scope: Coverage list and Benefits section..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | | Risk Services | 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. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Coverage list Benefits section..) | Liberty Mutual describes property underwriting, risk-engineering and claims teams working together on complex property risks. [7](https://business.libertymutual.com/commercial-solutions/property/ "Property") [8](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | How to Apply | 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. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Submission requirements section..) | Confirm in your quote. | ## Related Pages for Chubb vs Liberty Mutual Builders Risk Insurance - [Chubb vs Liberty Mutual](https://spot.insure/compare/chubb-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [Chubb vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/chubb-vs-liberty-mutual/business-owners-policy) - [Chubb vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/cargo-transit) - [Chubb vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/commercial-auto) - [Chubb vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/commercial-property) - [Chubb vs Liberty Mutual Crime Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/crime) - [Chubb vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/cyber) - [Chubb vs Liberty Mutual D&O Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/directors-officers) - [Chubb vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/employment-practices) - [Chubb vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/equipment-breakdown) - [Chubb vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/fiduciary) - [Chubb vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/general-liability) - [Chubb vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/inland-marine) - [Chubb vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/kidnap-ransom) - [Chubb vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/management-liability) - [Chubb vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/professional-errors-omissions) - [Chubb vs Liberty Mutual Surety Bonds](https://spot.insure/compare/chubb-vs-liberty-mutual/surety-bonds) - [Chubb vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/technology-errors-omissions) - [Chubb vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/umbrella-excess) - [Chubb vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/workers-compensation) - [AIG vs Chubb Builders Risk Insurance](https://spot.insure/compare/aig-vs-chubb/builders-risk) - [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk) - [Alliance Risk vs Chubb Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/builders-risk) - [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk) - [Aon vs Chubb Builders Risk Insurance](https://spot.insure/compare/aon-vs-chubb/builders-risk) - [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk) ## Sources for Chubb vs Liberty Mutual Builders Risk Insurance ### Sources About Chubb 1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16. 2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16. 3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16. 4. [Builders' Risk Insurance](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html). Chubb; Coverage list: Individual Project and Master Programs, DIC, physical damage and delay in opening, International Builders Risk; Target clients; Submission requirements. Accessed 2026-09-23. ### Sources About Liberty Mutual 5. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 6. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 7. [Property](https://business.libertymutual.com/commercial-solutions/property/). Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy.. Accessed 2026-09-29. 8. [Builder’s risk](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk). Liberty Mutual Business Insurance; Official product page: single-project or portfolio scope; contractors and property owners; Premier Protector — Builder’s Risk and stand-alone Specialty Property offerings; covered materials, labor, construction management fees, temporary structures and landscaping materials. Source also describes project-specific program design, underwriting and claims support.. Accessed 2026-09-30. ### Sources for the Builders Risk Insurance Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 11. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16. 12. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Chubb Review Scores for 2026 Review Score: 6.9 / 10 from 5 rated sources, equally weighted. Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations. - NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance) - Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com) - Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159) - ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html) - MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/reviews). ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/chubb-vs-liberty-mutual/builders-risk.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)