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Connecticut Builders Risk Insurance

Connecticut emergency officials identify river and snowmelt flooding, coastal inundation and urban flash flooding. The Insurance Department’s general glossary describes builders risk during construction and notes that forms may address transit or materials stored at the site. It does not identify particular flood, earthquake, collapse or landslide extensions; check the actual quote for each exposure. 1,2,3

What Is Builders Risk?

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. Read the national Builders risk guide.

What to Watch for in Connecticut

  • Check more than coastal flood maps

    Connecticut identifies year-round river flooding, snowmelt, coastal inundation and flash flooding in urban areas with limited drainage. Use the site location and drainage record to ask whether flood, surface water and sewer backup are included or excluded; the state hazard overview does not determine policy coverage. 1

  • Read each extension in the form

    The Connecticut Insurance Department’s general glossary says builders risk applies during construction, customarily includes fire and extended coverage plus vandalism and malicious mischief, and may extend to special-form coverage. It also notes that transit and onsite stored property may be included, sometimes subject to a percentage. The entry does not name flood, earthquake, collapse or landslide as extensions. Ask the broker to identify the actual form and endorsements for each exposure, location and limit. 2

  • Match the submission to the permit’s code edition

    Connecticut says its 2022 State Building Code applies to permit applications filed from October 1, 2022 and is based on the 2021 International Codes. Confirm with the local official which edition and amendments govern your project, then submit the approved plans and replacement values used for the quote. 3

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 7,8,9

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Connecticut

  1. What river, coastal or urban-drainage conditions apply to the project parcel?
  2. Does the written form include flood, earthquake, collapse or landslide, and what endorsement and limit applies to each?
  3. Are materials in transit and at temporary or off-site storage locations insured, and within what limits?

Builders Risk in Connecticut: FAQ

What flood situations should a Connecticut construction project consider? 1

Connecticut’s emergency agency identifies river flooding from rainfall or snowmelt, coastal inundation and urban flash flooding. Check the exact location and ask the broker about policy wording for those water sources. 1

Are transit, storage and flood automatically included in Connecticut builders risk? 2

The Department’s general glossary notes that transit and onsite stored property may be included, sometimes subject to a percentage. It does not say flood or other listed perils are included. Check the written form and endorsements for each peril, location and limit. 2

Builders Risk in Other States

Other Coverage in Connecticut

Sources

  1. Severe and Flash Flooding. Connecticut Department of Emergency Services and Public Protection, Division of Emergency Management and Homeland Security; Flood patterns: river and snowmelt, coastal inundation, and urban flash flooding. Accessed 2026-09-28.
  2. Glossary. Connecticut Insurance Department; Entry “Builders Risk Insurance”: construction period, customary fire/extended coverage and vandalism/malicious mischief, possible special-form extension, transit and onsite stored property; the general glossary disclaims legal effect. Accessed 2026-09-28.
  3. Connecticut State Building Code – Regulations. Connecticut Department of Administrative Services, Office of the State Building Inspector; Current State Building Code: 2022 code and application date; adopted model code list. Accessed 2026-09-28.
  4. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  5. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  6. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  7. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  8. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  9. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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