--- title: "Builders Risk Insurance FAQ" description: "Answers about what builders risk insurance covers during construction and renovation, who buys it, when it starts and ends, and how it is priced." canonical: "https://spot.insure/insurance-faq/builders-risk" page-type: "faq-topic" updated-at: "2026-09-25" --- 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/insurance-faq/builders-risk) # Builders Risk Insurance FAQ Answers about what builders risk insurance covers during construction and renovation, who buys it, when it starts and ends, and how it is priced. ## What It Covers ### [Does Builders Risk Cover An Existing Building?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-an-existing-building) California’s Commercial Insurance Guide describes builders risk for existing structures undergoing additions, alterations, or repairs. ### [Does Builders Risk Cover Architect Errors?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-architect-errors) Separate the cost to fix the design from damage to the project, then check both the property and architect liability policies. ### [Does Builders Risk Cover Business Interruption?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-business-interruption) NAIC defines business interruption as lost income resulting from property damage to a business facility. ### [Does Builders Risk Cover Cleanup?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-cleanup) Builders risk may cover debris removal after covered damage, but routine cleanup and some pollution remediation are excluded under the cited form. ### [Does Builders Risk Cover Collapse?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-collapse) Sometimes—builders risk may cover a collapse caused by an insured event, but the cited form excludes faulty design, workmanship, and settling; check its collapse definition and any resulting-damage exception. ### [Does Builders Risk Cover Commercial Buildings?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-commercial-buildings) Yes, builders risk can cover a commercial building under construction or renovation. ### [Does Builders Risk Cover Commissioning?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-commissioning) Give the insurer your testing schedule and equipment details, then confirm limits and when testing coverage ends. ### [Does Builders Risk Cover Completed Work?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-completed-work) Builders risk may stop covering completed work at acceptance, occupancy, or another policy milestone. ### [Does Builders Risk Cover Construction Defects?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-construction-defects) Separate repair of the defect from damage it caused, then ask the insurer how each is treated. ### [Does Builders Risk Cover Contractor Equipment?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-contractor-equipment) Usually not—builders risk covers project property, while contractors typically insure mobile equipment under an equipment floater. ### [Does Builders Risk Cover Contractor Negligence?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-contractor-negligence) Sometimes—builders risk may cover resulting property damage, but faulty-work exclusions and the contractor’s liability policy affect the claim. ### [Does Builders Risk Cover Debris Removal?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-debris-removal) Often, builders risk covers debris removal after covered damage, subject to a formula, limit, and notice deadline in the cited ISO form. ### [Does Builders Risk Cover Defective Materials?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-defective-materials) Usually not the cost to replace the defective material itself—the cited form excludes defective materials, while damage to other property may depend on its ensuing-loss wording. ### [Does Builders Risk Cover Delay?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-delay) Generally no—a delay by itself is not insured under the cited ISO form; an endorsement may cover specified extra costs when covered physical damage delays the project. ### [Does Builders Risk Cover Demolition?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-demolition) Sometimes, if the policy includes demolition in the described project scope. ### [Does Builders Risk Cover Earthquake?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-earthquake) It depends on the policy and location; earthquake coverage may be excluded, limited, or added by endorsement. ### [Does Builders Risk Cover Engineering Errors?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-engineering-errors) Separate redesign costs from resulting damage, then review both builders risk and professional liability terms. ### [Does Builders Risk Cover Equipment Breakdown?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-equipment-breakdown) Often not—the cited ISO builders risk form excludes mechanical breakdown, with a narrow testing provision; a separate equipment-breakdown policy may be needed for machinery damage. ### [Does Builders Risk Cover Existing Structures?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-existing-structures) Sometimes—renovation coverage must specifically include and value the existing building, which some forms treat separately from new work. ### [Does Builders Risk Cover Faulty Design?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-faulty-design) Separate design correction costs from resulting property damage, then check both policies. ### [Does Builders Risk Cover Faulty Workmanship?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-faulty-workmanship) Usually not the cost to correct faulty workmanship—the cited ISO form excludes defective work, though separate damage that follows may be treated differently under its ensuing-loss wording. ### [Does Builders Risk Cover Fire?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-fire) Usually—fire damage to covered construction property is generally within builders risk coverage, subject to the policy’s exclusions, project limits, and any testing or hot-work conditions. ### [Does Builders Risk Cover Flood?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-flood) Not automatically—the cited specimen form contains water exclusions rather than a universal flood grant, and Oregon’s sample clause calls for flood coverage when required. ### [Does Builders Risk Cover Hail?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-hail) Often, if hail is a covered cause of loss and damages insured project property. ### [Does Builders Risk Cover Houses?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-houses) Notify your home insurer before remodeling and confirm which policy covers the house, materials, and temporary lodging. ### [Does Builders Risk Cover Hurricanes?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-hurricanes) Builders risk generally addresses physical damage to construction property, but whether hurricane-related damage is covered depends on how the contract treats windstorm, flood, and water. ### [Does Builders Risk Cover Landscaping?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-landscaping) Sometimes, if the policy lists landscaping or site improvements as covered property. ### [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability) Arrange liability coverage separately and confirm owner, contractor, and subcontractor requirements. ### [Does Builders Risk Cover Lost Income?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-lost-income) Usually not—builders risk generally excludes lost income, though an endorsement may cover specified delay costs after covered damage. ### [Does Builders Risk Cover Materials In Storage?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-materials-in-storage) List each storage address and confirm its limit, security conditions, and transit coverage. ### [Does Builders Risk Cover Materials In Transit?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-materials-in-transit) Sometimes—materials in transit may be covered if the builders risk policy or installation floater includes shipments; a jobsite limit alone does not establish transit protection. ### [Does Builders Risk Cover Materials Off Site?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-materials-off-site) Give the insurer each storage address, maximum value, duration, and security details to confirm limits and transit. ### [Does Builders Risk Cover Materials?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-materials) Often—builders risk can cover materials intended to become part of the insured building, but tools, surplus supplies, and property in transit or storage may need separate terms. ### [Does Builders Risk Cover Mechanical Breakdown?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-mechanical-breakdown) Generally no for ordinary mechanical breakdown—the cited ISO form excludes it but has a limited testing provision, so check whether your system is covered during commissioning or startup. ### [Does Builders Risk Cover Mold?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-mold) Mold may be excluded or capped; the cited ISO form provides limited fungi coverage after certain covered losses. ### [Does Builders Risk Cover Negligence?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-negligence) Sometimes—negligence does not automatically decide a builders risk claim; coverage depends on the damaged property, cause, insured interests, and exclusions. ### [Does Builders Risk Cover Occupied Buildings?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-occupied-buildings) Sometimes—if the policy allows occupancy; the cited ISO form ends coverage 60 days after occupancy unless modified. ### [Does Builders Risk Cover Remodeling?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-remodeling) Before work begins, confirm the existing building and remodel are insured and coordinate coverage with your homeowners policy. ### [Does Builders Risk Cover Renovations?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-renovations) Yes, builders risk can cover renovation work, but the policy must address the existing structure and any occupied areas. ### [Does Builders Risk Cover Rented Equipment?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-rented-equipment) Sometimes—if builders risk includes rented equipment and you have an insured interest; the rental contract may still make you liable. ### [Does Builders Risk Cover Scaffolding?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-scaffolding) Sometimes—builders risk may cover scaffolding at the scheduled jobsite if the policy includes temporary structures or construction equipment. ### [Does Builders Risk Cover Sewer Backup?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-sewer-backup) Sometimes, under a limited sewer or drain backup extension—the cited ISO form sets a per-occurrence limit and maintenance conditions; surface flood and groundwater may be treated separately. ### [Does Builders Risk Cover Soft Costs?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-soft-costs) Match your expected costs to the endorsement’s covered expenses, trigger, waiting period, and limit. ### [Does Builders Risk Cover Subcontractors?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-subcontractors) Sometimes—for a subcontractor’s insured interest in project property; tools, liability, and workers need separate coverage. ### [Does Builders Risk Cover Temporary Structures?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-temporary-structures) List trailers, fencing, forms, and temporary utilities and confirm each item’s limit and location. ### [Does Builders Risk Cover Tenant Improvements?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-tenant-improvements) It may cover tenant improvements if the project and the tenant’s insurable interest are described in the policy. ### [Does Builders Risk Cover Testing?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-testing) Submit the test schedule and confirm included test stages, equipment, exclusions, and limits. ### [Does Builders Risk Cover Theft?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-theft) Often, but only for covered project property and subject to theft conditions, limits, and security requirements. ### [Does Builders Risk Cover Tools?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-tools) Often not for a contractor’s own tools; tools may need a separate tools or equipment floater. ### [Does Builders Risk Cover Tornado Damage?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-tornado-damage) It may cover direct tornado damage to insured construction property, subject to windstorm terms and exclusions. ### [Does Builders Risk Cover Trees And Plants?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-trees-and-plants) Sometimes, under a limited landscaping extension; the cited ISO form caps coverage for certain plants and causes. ### [Does Builders Risk Cover Vacant Buildings?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-vacant-buildings) A vacant building can be insured during construction if the policy is written for that project, but vacancy rules and safeguards matter. ### [Does Builders Risk Cover Vandalism?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-vandalism) It may cover vandalism damage to insured project property when vandalism is a covered cause of loss. ### [Does Builders Risk Cover Water Damage?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-water-damage) Sometimes—some water losses may be covered, while flood, seepage, groundwater, or sewer backup can be excluded or separately limited. ### [Does Builders Risk Cover Weather Damage?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-weather-damage) It can cover some weather-caused physical damage, but “weather damage” is too broad to establish coverage by itself. ### [Does Builders Risk Cover Wind Damage?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-wind-damage) Sometimes—wind damage may be covered if the policy includes windstorm, but named-storm exclusions, separate deductibles, and roof or opening conditions can limit protection. ## Who Needs It ### [Does a Contractor Need Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/does-contractor-need-builders-risk-insurance) A contractor needs builders risk when the contract makes it responsible for project property and the owner has not arranged adequate coverage. ### [Does a Developer Need Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/does-developer-need-builders-risk) A developer may need project property protection when it owns the work or bears construction loss, with the insured parties and limits matched to the financing and contracts. ### [Does a General Contractor Need Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/does-general-contractor-need-builders-risk) Match the policy’s insured parties and deductible to the contract before work begins. ### [Does a Homeowner Need Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/does-homeowner-need-or-buy-builders-risk) A homeowner may need builders risk for new construction or a major renovation if the existing home policy does not cover the work. ### [Does a Property Owner Need Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/does-property-owner-need-builders-risk) A property owner may need builders risk when it has a financial interest in a building under construction and no other policy covers that project. ### [Does a Subcontractor Need Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/does-subcontractor-need-builders-risk) A subcontractor needs builders risk only if the project policy or contract assigns it an insured interest; the cited ISO form limits insured status to those named in the declarations. ### [Who Needs Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/who-needs-builders-risk-insurance) Owners, developers, or contractors with money or property at risk during construction may need builders risk. ## When You Need It ### [Can You Buy One-Month Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/one-month-builders-risk-insurance) Sometimes, but one-month terms aren’t universal; US Assure offers six-, nine-, or twelve-month options for its remodeling program. ### [Can You Buy Short-Term Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/short-term-builders-risk-insurance) Sometimes, depending on insurer and project; US Assure’s remodeling program offers six-, nine-, or twelve-month terms. ### [Can You Buy Six-Month Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/six-month-builders-risk-insurance) Yes, some programs offer six-month terms; US Assure lists that option for its remodeling program. ### [Can You Buy Three-Month Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/three-month-builders-risk-insurance) Possibly, but three-month terms aren’t universal; US Assure’s remodeling program offers six-, nine-, or twelve-month options. ### [Can You Get Builders Risk After Construction Starts?](https://spot.insure/insurance-faq/builders-risk/can-you-buy-builders-risk-after-construction-starts) Disclose the work completed and losses, then confirm the effective date and any inspection or waiting conditions. ### [When Do You Need Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/when-to-buy-builders-risk-insurance) Buy builders risk before project materials or work are exposed if your existing property policy does not cover them. ### [When Does Builders Risk Coverage End?](https://spot.insure/insurance-faq/builders-risk/when-does-builders-risk-coverage-end) Builders risk may end at policy expiration, cancellation, purchaser acceptance, completion, or occupancy, depending on the form. ### [When Does Builders Risk Coverage Start?](https://spot.insure/insurance-faq/builders-risk/when-does-builders-risk-coverage-start) Builders risk starts on the effective date and time in the bound policy or binder; an application or quote alone does not confirm coverage. ### [When Should Builders Risk Insurance Be Purchased?](https://spot.insure/insurance-faq/builders-risk/when-should-builders-risk-insurance-be-purchased) Buy builders risk before materials arrive or work starts, whichever comes first, and confirm it’s bound for that date. ## Comparisons ### [Builders Risk vs. an Installation Floater: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-installation-floater) Builders risk covers project property; an installation floater can cover materials during delivery and installation. ### [Builders Risk vs. Commercial Property Insurance: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-commercial-property-insurance) Builders risk covers a described construction project; commercial property covers business property under its own policy terms. ### [Builders Risk vs. Construction Insurance: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-construction-insurance) “Construction insurance” may mean a package of policies; builders risk covers property for a described construction project. ### [Builders Risk vs. Contractor Insurance: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-contractor-insurance) Builders risk covers project property; “contractor insurance” can mean several separate policies for liability, workers’ compensation, auto, or tools. ### [Builders Risk vs. Course of Construction Insurance: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-course-of-construction-insurance) The terms can refer to similar property protection while a project is being built, but they do not guarantee matching coverage. ### [Builders Risk vs. Dwelling Under Construction Coverage: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-dwelling-under-construction) A dwelling-under-construction policy and builders risk can insure an unfinished home under different terms; the product name alone does not show which is broader. ### [Builders Risk vs. General Liability: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-general-liability) If you need both project property and third-party injury protection, price builders risk and general liability separately. ### [Builders Risk vs. Homeowners Insurance: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-homeowners-insurance) Builders risk addresses a building project while work is underway; the NAIC glossary describes it as coverage for buildings in the course of construction. ### [Builders Risk vs. Inland Marine Insurance: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-inland-marine) Builders risk can be written on an inland marine form, but that does not mean it covers every kind of mobile property. ### [Builders Risk vs. Property Insurance: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-property-insurance) Plan the transition from construction coverage to permanent property insurance and compare the policy forms and end dates. ### [Builders Risk vs. Vacant Property Insurance: What’s the Difference?](https://spot.insure/insurance-faq/builders-risk/builders-risk-vs-vacant-property-insurance) Describe both the building’s occupancy and the work in progress to get terms that address both exposures. ## Cost ### [Can a Builders Risk Insurance Cost Calculator Give You a Quote?](https://spot.insure/insurance-faq/builders-risk/builders-risk-insurance-cost-calculator) No—a calculator can estimate the premium, but an insurer must review your project to set the quote and terms. ### [How Can You Find Affordable Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/cheap-builders-risk-insurance) Find affordable builders risk by comparing quotes for the same project value, limits, deductibles, and coverage options. ### [How Much Does Builders Risk Insurance Cost?](https://spot.insure/insurance-faq/builders-risk/builders-risk-cost-calculator-and-percentage) Builders risk has no single standard price: the premium depends on project value, location, construction details, term, and selected coverage. ### [Is Builders Risk Insurance Priced as a Percentage of Project Cost?](https://spot.insure/insurance-faq/builders-risk/builders-risk-insurance-cost-percentage) No universal percentage sets builders risk premiums; project value and included costs affect each insurer’s quote. ### [What Affects Builders Risk Cost for Commercial Construction?](https://spot.insure/insurance-faq/builders-risk/builders-risk-commercial-construction-cost) Get matching quotes with the same project value, scope, limits, and endorsements before choosing on price. ### [What Affects Builders Risk Insurance Cost for a New Home?](https://spot.insure/insurance-faq/builders-risk/builders-risk-new-home-cost) Know which costs make up the insured project value before comparing new-home builders risk premiums. ### [What Affects Builders Risk Insurance Cost for a Renovation?](https://spot.insure/insurance-faq/builders-risk/builders-risk-renovation-cost) Give insurers the structural scope, building condition, occupancy, and separate value of the existing structure and renovation. ## Buying Coverage ### [Can a Homeowner Buy Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/can-a-homeowner-buy-builders-risk-insurance) Yes—a homeowner can request builders risk for a new home or renovation, but the insurer decides whether the project qualifies. ### [Can You Buy Builders Risk Insurance Online?](https://spot.insure/insurance-faq/builders-risk/builders-risk-insurance-online) Apply online if the insurer offers it, then verify in writing that coverage is bound and when it starts. ### [Can You Get Builders Risk for an Existing Building or Renovation?](https://spot.insure/insurance-faq/builders-risk/builders-risk-existing-building-or-renovation) Find out whether your renovation quote covers the structure you already own as well as the work in progress. ### [Can You Get Same-Day Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/same-day-builders-risk-insurance) Possibly—you can get builders risk bound the same day if the insurer completes underwriting and confirms coverage; a fast quote or application receipt is not proof of binding. ### [How Do You Choose the Best Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/best-builders-risk-insurance-companies) The best builders risk policy is the one that accepts your project and meets your contract requirements at terms you can afford. ### [How Do You Get a Builders Risk Insurance Quote?](https://spot.insure/insurance-faq/builders-risk/builders-risk-insurance-quote-online-same-day) Prepare the project and contract details first, then compare written proposals using the same values, limits, and covered property. ### [Should You Use a Builders Risk Insurance Broker?](https://spot.insure/insurance-faq/builders-risk/builders-risk-insurance-broker) Decide whether broker help is worth the fee by asking which markets they can approach and who will handle the policy after purchase. ### [Which Companies Offer Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/builders-risk-insurance-companies) Builders risk is offered through insurers and brokers, but no single company list applies to every project: location, building type, size, renovation scope, and construction stage affect eligibility. ### [Who Buys Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/who-buys-and-pays-for-builders-risk) Match the contract’s buyer, insured-party, lender, and deductible requirements to the policy documents. ### [Who Pays for Builders Risk Insurance?](https://spot.insure/insurance-faq/builders-risk/who-pays-for-builders-risk-insurance) The contract can assign the builders risk premium to the owner, contractor, or another party. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-faq/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)