Business insurance for Builder's Risk

Solid protection from the ground up.

What is builder's risk insurance?

If you’re a commercial property owner or builder, you could face considerable exposure to loss if things suddenly go sideways during a project. Builder’s risk insurance can offer you both property and liability coverage for your buildings or structures while they are under construction.

What does builder's risk cover?

During construction, anything from fire, wind, theft or vandalism could result in damages and losses that severely impact your bottom line. Builder's risk provides coverage for:

  • Buildings or structures under construction, including temporary storage buildings, fencing, scaffolding, retaining walls and more.
  • Comprehensive general liability protection against claims of bodily injury suffered by non-employees your construction site.
  • Equipment breakdown to help pay for the repair or replacement of damaged covered equipment.
  • Material and supplies used to build the structure that are damaged or stolen.

How much does builder's risk insurance cost?

The cost of your builder's risk policy will be determined by the total estimated value of the completed building or structure. Your local State Farm® agent can help you get the right coverage to protect your property for a surprisingly great rate.

Do I need builder's risk insurance?

A lot can happen between the groundbreaking ceremony and the ribbon cutting celebration. If you have a financial stake in a building project – whether it's a single office or a retail space, a strip mall or a multi-unit apartment complex – you'll want your business to be properly insured.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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