---
title: "Does Builders Risk Cover Faulty Design?"
description: "Separate design correction costs from resulting property damage, then check both policies."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-faulty-design"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Faulty Design?

Separate design correction costs from resulting property damage, then check both policies.

Usually not the cost to correct faulty design. The cited ISO form excludes design errors, though separate resulting damage may be treated differently; an architect’s or engineer’s professional liability policy may also matter. Builders risk therefore should not be read as design-error insurance or a professional liability policy. Ask the insurer to explain the design exclusion and any resultant-damage exception for a separate covered event. Review the architect or engineer’s professional liability insurance and contract. Check whether design changes, temporary works, or experimental construction trigger additional restrictions in the builders risk quote. An architect’s or engineer’s professional liability policy may respond to a claim alleging negligent design services, subject to its own insureds, exclusions, and claims-made terms. That does not guarantee payment for correcting the project itself. Ask both insurers to distinguish the design fee or redo cost from resulting physical damage, and check the builders risk ensuing-loss language and professional policy limits.

## Related Questions

- [Does Builders Risk Cover Architect Errors?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-architect-errors)
- [Does Builders Risk Cover Engineering Errors?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-engineering-errors)
- [Does Builders Risk Cover Mechanical Breakdown?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-mechanical-breakdown)
- [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability)

## Related Coverage

- [Builders risk](https://spot.insure/coverage/builders-risk)

## Sources

1. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s general liability insurance?; What does general liability not cover?; What are other types of business liability insurance?. Accessed 2026-09-25.
2. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25.

More answers: [Builders Risk Insurance FAQ](https://spot.insure/insurance-faq/builders-risk).

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