Coverdash vs Heffernan Insurance Brokers Builders Risk Insurance

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. ⁴Company-reported. Builder's risk product page; describes the brokerage model for this line, not a specific insurer's product.

Heffernan's construction insurance brokers arrange builders risk insurance for contractors, developers and other construction-industry clients. As a broker, Heffernan places the coverage with insurance carriers rather than underwriting it itself. ⁸Company-reported. Construction page description of the builders risk offering. Does not establish a specific carrier relationship.

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. ⁴Not publicly disclosed. Page checked 2026-09-23; the issuing carrier for a specific quote is not disclosed here.

The construction page does not name the insurer that would issue a builders risk policy arranged through Heffernan; the FAQ refers only to gathering quotes from 'various carriers.' ⁸Not publicly disclosed. Checked the construction page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

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. ⁴Company-reported. Who it's for section and FAQ; illustrative audience, not an exhaustive eligibility list.

Heffernan says its construction insurance brokers serve general contractors, subcontractors, specialty and trade contractors, developers and design/build firms across sectors including alternative energy, concrete construction management and engineering, and lists a network of more than 1,000 contractor and developer clients nationwide. ⁸Company-reported. Construction page sector list and client-count claim; client count is company-reported and not independently verified.

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. ⁴Company-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. ⁴Company-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. ⁴Company-reported. FAQ answer on how long the policy lasts.

Heffernan describes builders risk insurance as coverage that protects a construction project against physical damage during the build, such as fire, theft and weather-related events, and says it customizes the coverage to the specific project. ⁸Company-reported. Construction page product description; specific insuring agreements, exclusions and endorsements are not detailed on the page.

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. ⁴Not publicly disclosed. Page checked 2026-09-23; limit and deductible figures were not found on this product page.

The construction page's builders risk FAQ gives only a generic industry cost range, roughly 1% to 4% of the construction budget, as educational content. It does not publish a Heffernan-specific limit, retention or premium for a builders risk policy. ⁸Not publicly disclosed. Checked the construction page's Builders Risk FAQ section on 2026-09-23. This is general market information, not a Heffernan-issued quote.

Not described in the reviewed sources.

Heffernan lists a dedicated Wrap Up Solutions team alongside its construction practice leader as contacts for builders risk and related project-specific insurance programs. ⁸Company-reported. Construction page practice-leader contact block.

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. ⁴Company-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.

Heffernan's construction page directs buyers to contact its construction insurance specialists directly, and its builders risk FAQ describes providing project details such as budget, timeline and construction type so Heffernan can gather quotes from multiple carriers. ⁸Company-reported. Construction page contact route and FAQ process description.