Harper Builders Risk Insurance
Harper Builders Risk Coverage
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. 1Company-reported. Construction & Contractors industry page; describes Harper's placement role for the package that includes builders risk, not a standalone builders risk product page.
Issuing Insurer
Not publicly disclosed. 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. 1Checked the Construction & Contractors industry page and homepage industries carousel on 2026-09-23; a specific insurer would appear on the quote or policy.
Who It’s For
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. 1Company-reported. Construction & Contractors industry page 'Who this is for' section; not builders-risk-specific eligibility criteria such as project value or completion timeline.
Coverage Features
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. 1,2Company-reported. Construction & Contractors industry page coverage callouts and homepage industries carousel; the issued policy and declarations would control actual terms.
Limits and Retentions
Not publicly disclosed. Harper's reviewed pages do not publish builders risk limits, deductibles or maximum project values; the industry page says cost depends on trade, payroll and revenue and is quoted individually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. 1Construction & Contractors industry page FAQ 'What does it cost?'; no published limit or retention figures found.
Risk Services
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. 1Company-reported. Construction & Contractors industry page; describes the certificate and risk-review service Harper says it provides around construction projects, which includes builders risk jobs.
How to Apply
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. 1Company-reported. Construction & Contractors industry page 'Why Harper' section; specific markets contacted for a given project are not named.
Harper Builders Risk Insurance Compared
Other Harper Coverage Lines
Sources
- Construction & Contractors Insurance. Harper; Know your coverage: What is Construction & Contractors insurance?; Worksite liability, Builders risk, Tools & equipment, Certificates & additional insureds callouts; Who this is for; Why Harper (we know the trades, paperwork that wins bids, every market that writes construction, one call handled); FAQs on contractor insurance, certificate speed, subcontractor injuries, tool theft and cost. Accessed 2026-09-23.
- Harper Homepage. Harper; Industries We Serve carousel: 'Construction & Contractors — From GCs to specialty trades: jobsite liability, builders risk, and the certificates your projects cannot start without.'. Accessed 2026-09-23.
