Chubb vs WithCoverage 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.

WithCoverage is a broker; it does not underwrite builders risk policies. It reviews builders risk exposure as part of a broader construction insurance-program audit and can place or transition the coverage on a client's behalf. ^8,10Company-reported. Construction industry page hero and FAQ; company describes itself as reviewing and placing coverage, not bearing the risk.

Not described in the reviewed sources.

The reviewed pages do not name which insurer or insurers WithCoverage places builders risk coverage with; the terms say policy obligations are the responsibility of the issuing insurance company, whoever that is for a given account. ^8,10Not found in reviewed sources. Construction page and terms as read on 2026-09-23.

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

WithCoverage's construction practice serves contractors and developers with active construction programs, including general contractors, trade contractors and developers. ^8,9Company-reported. Construction industry page and risk-advisors Vin spotlight.

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.

Not described in the reviewed sources.

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.

Not described in the reviewed sources.

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.

WithCoverage says it builds coverage for project risks that it says off-the-shelf builders risk forms miss, working directly with construction clients rather than offering a standard packaged form. ⁹Company-reported. Risk-advisors Vin spotlight; company description of its practice approach, not a specific completed engagement.

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.

WithCoverage says a construction program audit, which it lists as covering General Liability, Product Liability, Workers' Comp, Property and umbrella alongside Builder's Risk in the page hero, is offered at no cost and without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. ⁸Company-reported. Construction page FAQ; the itemized audit-scope answer does not repeat "Builder's Risk" by name even though the page hero does.