What property is included
Discuss the building, materials, temporary structures, and eligible property in storage or transit. Coverage for each depends on the form, locations, and limits selected.
Austin office · Serving Texas businesses
Builders Risk Insurance in Texas
A construction project changes as materials arrive, installation progresses, and the building approaches completion. Builders risk should be reviewed around the project’s value, schedule, participants, and exposures.
Discuss your coverage ↗Review property protection before construction begins.
Who and what the policy protects
Owners and contractors may have different insurance responsibilities. Confirm insured interests, valuation, deductibles, and whether renovation work includes the existing structure.
When coverage ends
Occupancy, completion, acceptance, or a policy expiration can affect coverage. Review those triggers and delays before the project schedule changes.
Questions to discuss with Brian
- Is this new construction, an addition, or a renovation?
- Who is responsible for arranging builders risk?
- Are flood, wind, theft, or offsite storage important exposures?
What to have ready for a quote
You can start a conversation even if you do not have every detail yet. These items help make the review more useful.
- Project address, budget, and construction details
- Start date, completion date, and parties involved
- Contract requirements and existing property insurance
A common coverage question
Does builders risk replace contractor liability insurance?
No. Builders risk focuses on eligible project property. Liability claims and other operational exposures require separate coverage review.
Talk through your business insurance needs
Contact Brian Kuhlman at SIG/CHAPARRAL INSURANCE GROUP. Our Austin office serves Texas business owners with a review of operations, current policies, and available coverage options.
Office: 512-452-2427 · Email Brian
Request a quote ↗Coverage examples are general and do not promise claim payment. Availability and protection depend on underwriting and the issued policy’s limits, conditions, and exclusions. A quote request does not bind or change coverage.