Builders Risk Insurance Builders Risk
Insurance
From foundation to final inspection — protect the project, materials, and equipment with builders risk insurance written by KTL's construction specialists.
Builders Risk,
Project by Project
Builders Risk Insurance Builders risk (course-of-construction) insurance covers the project itself — buildings under construction, materials on-site and in transit, and equipment used in the build — from groundbreaking through completion. KTL writes builders risk on residential, commercial, and industrial projects with carriers experienced in your project type and project value, with coverage that closes the gap between contractor coverage and owner property insurance.
Speak to a SpecialistTop-Tier Carriers
Exclusive partnerships with AM Best A-rated insurers Our builders risk insurance services ensure — proven financial strength to pay claims.
Best Available Pricing
We shop multiple carriers every renewal to keep your premium competitive without sacrificing protection. Learn more about our builders risk insurance offerings.
Your Personal Specialist
One dedicated relationship — they know your business, your goals, and they answer their phone.
Dedicated Specialist
One point of contact who knows your business.
Coverage Built for
Builders Risk Insurance
Every builders risk insurance policy we write is shaped to your operation — never templated, never generic.
General Liability
Premises, ongoing operations, and completed operations coverage for construction trades.
Learn moreWorkers' Compensation
Construction-classified workers' comp with experience-mod consulting and OSHA support.
Learn moreBuilders Risk
Course-of-construction coverage protecting buildings, materials, and equipment during the build.
Learn moreCommercial Auto
Pickup trucks, dump trucks, service vehicles, and trailers — full fleet liability and physical damage.
Learn moreContractors Equipment
Inland marine coverage for tools, scheduled equipment, leased gear, and small items.
Learn moreSurety Bonds
Bid, performance, payment, and maintenance bonds for public and private contracts.
Learn moreFive Steps to Builders Risk Insurance
A guided journey from first call to active policy — managed by your dedicated specialist.
Share Your Business
Tell your dedicated KTL specialist about your operation — what you do, revenue, payroll, locations, claim history, and any concerns. 15 minutes by phone, online, or in person.
We Shop the Market
Your specialist submits your risk to 4-7 AM Best A-rated carriers, negotiating terms, limits, deductibles, and pricing tailored to your operation.
Review Tailored Options
You'll receive a side-by-side comparison of 2-3 top quotes — coverage details, limits, exclusions, and total premium clearly laid out for easy decision-making.
Choose & Customize
Select the program that fits. Add endorsements, adjust limits, choose deductibles — your specialist tunes the policy to match your exact needs and budget.
Activate Coverage
Sign, pay, and receive certificates within hours. Your Builders Risk Insurance policy is active immediately — and your specialist remains your single point of contact for the policy life cycle.
KTL handled our builders risk insurance program when no one else could. The specialist understood our exposure, shopped the market hard, and delivered coverage that's saved us five-figures over three renewals.
Complete
Protection Suite
Beyond builders risk insurance, we deliver the full spectrum of business insurance — packaged efficiently and priced competitively.
Surety Bonds
Bid, performance, and payment
Pollution Liability
Environmental risk protection
Umbrella Liability
Extended liability limits
Professional Liability
Design-build E&O
Cyber Liability
Project data protection
Subcontractor Default
Sub failure coverage
Business Income
Project revenue replacement
Equipment Coverage
Inland marine for tools
Builders Risk Insurance — Answered
Common questions about builders risk insurance from business owners like you.
Industries We Serve
From sole operators to multi-state enterprises, our industry specialists know your business class inside and out.
Why Partner
with KTL?
Three principles drive every relationship — same-day responsiveness, best-available pricing, and unwavering personal commitment.
Same-Day Quotes
Get a binding-ready quote in 24 hours or less from AM Best A-rated carriers. No waiting, no runaround — just answers and pricing when you need them.
Relationship Built to Last
You're not a policy number. Your dedicated specialist knows your business, your risks, and your name — for the long haul.
Shopped Across Carriers
We negotiate across multiple top-rated carriers to land the broadest coverage at the lowest defensible premium — every renewal.
Ready to Quote
Builders Risk Insurance?
Same-day quotes. AM Best A-rated carriers. A dedicated specialist who answers their phone. Start your free builders risk insurance quote now.
Toll-Free: (800) 507-1243 · Email: [email protected]