Harper vs Heffernan Insurance Brokers Builders Risk Insurance

Harper places builders risk as one piece of its Construction & Contractors insurance package, describing itself as calling every market that writes construction and presenting the options back, rather than underwriting the coverage itself. ³Company-reported. Construction & Contractors industry page; describes Harper's placement role for the package that includes builders risk, not a standalone builders risk product page.

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 reviewed pages do not name the insurer or insurers that would issue a builders risk policy Harper places; the industry page refers only to 'every market that writes construction' without listing carriers. ³Not publicly disclosed. Checked the Construction & Contractors industry page and homepage industries carousel on 2026-09-23; a specific insurer would appear on the quote or policy.

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.

Harper says Construction & Contractors coverage, including builders risk, is for general contractors managing subs, specialty trades such as roofing, framing, electrical, plumbing and HVAC, remodelers and handymen, residential and commercial builders, and construction managers. ³Company-reported. Construction & Contractors industry page 'Who this is for' section; not builders-risk-specific eligibility criteria such as project value or completion timeline.

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.

Harper describes builders risk as covering the structure, materials and fixtures of a project from ground break to handover, alongside jobsite liability and the certificates a project requires to start. ^3,4Company-reported. Construction & Contractors industry page coverage callouts and homepage industries carousel; the issued policy and declarations would control actual terms.

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.

Harper's reviewed pages do not publish builders risk limits, deductibles or maximum project values; the industry page says cost depends on trade, payroll and revenue and is quoted individually across multiple markets. ³Not publicly disclosed. Construction & Contractors industry page FAQ 'What does it cost?'; no published limit or retention figures found.

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.

Harper says it writes certificates of insurance with additional-insured, waiver-of-subrogation and primary-and-non-contributory wording the same day a contract calls for it, and checks subcontractors' certificates so their risk does not become the general contractor's. ³Company-reported. Construction & Contractors industry page; describes the certificate and risk-review service Harper says it provides around construction projects, which includes builders risk jobs.

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.

Harper says it takes one application for construction risk, including builders risk, and quotes it across every market it says writes construction, admitted where pricing allows and excess-and-surplus lines when the work demands it. ³Company-reported. Construction & Contractors industry page 'Why Harper' section; specific markets contacted for a given project are not named.

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.