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.
Sometimes. Builders risk may cover resulting property damage even when contractor negligence caused the loss, but faulty-work exclusions can remove damage to the work itself; claims for injury or damage to others belong under general liability.
Compare who and what each policy insures. The cited builders risk form separates covered project property from contractor equipment and excludes some faulty workmanship or construction conditions, with different treatment for resulting damage. A certificate or contract clause does not expand either policy.
Ask the builders risk insurer how the policy treats faulty work and resulting damage. Then check the contractor’s general liability policy for injury or damage to third parties and confirm which parties are named or included for their interests.
