Builders Risk Insurance from Trendstar Insurance
Safeguard Your Construction Project from Start to Finish

Construction projects are full of opportunity—but they’re also full of risk. Whether you're building a new home, renovating a property, or managing a large commercial development, you need protection from unexpected losses that can delay or derail your work. At Trendstar Insurance, we offer specialized Builders Risk Insurance to help shield your investment throughout the construction process.

What Is Builders Risk Insurance?

Builders Risk Insurance—also known as Course of Construction Insurance—is a type of property insurance specifically designed to cover buildings and structures under construction or renovation. It provides temporary coverage that lasts for the duration of the project, protecting against damage or loss caused by fire, theft, vandalism, weather events, and more.

This essential policy is ideal for property owners, builders, general contractors, house flippers, and developers looking to minimize financial exposure during construction.

What Does Builders Risk Insurance Cover?

A Builders Risk policy from Trendstar Insurance typically includes coverage for:

• Buildings and Structures Under Construction: Covers the value of materials, labor, and completed work.

• Materials and Supplies: Protects building materials stored on-site, in transit, or temporarily off-site.

• Equipment and Tools: Limited protection for tools and machinery used during the project (larger equipment may require separate coverage).

• Soft Costs: Optional coverage that reimburses for delays and extra expenses due to covered losses—such as permit fees, legal expenses, loan interest, and lost rental income.

• Temporary Structures: Covers scaffolding, construction trailers, and other temporary setups used during construction.

Why Choose Trendstar Insurance for Builders Risk Coverage?

As a locally trusted general insurance agency serving Maryland, Virginia, and Washington DC, Trendstar Insurance understands the challenges contractors and property developers face. We partner with leading national carriers to offer flexible Builders Risk policies tailored to your specific project type, size, and timeline.

Our knowledgeable agents will walk you through coverage options, exclusions, and limits—ensuring your investment is protected from groundbreaking to final inspection.

Who Needs Builders Risk Insurance?

You may need Builders Risk Insurance if you are:

• A property owner building or renovating a structure

• A general contractor or construction manager

• A house flipper or investor handling major improvements

• A commercial developer overseeing a new project

In most cases, lenders, building codes, and contracts will require proof of Builders Risk coverage before work can begin.

What Affects the Cost of Builders Risk Insurance?

Several factors determine the cost of your Builders Risk policy, including:

• Project type (residential vs. commercial)

• Construction value and materials used

• Project location and timeline

• Security measures and fire protection systems

• Policy term and coverage limits

Our team at Trendstar Insurance will help you compare quotes and structure a policy that fits your budget and risk profile.

Build with Confidence

Construction comes with enough variables—don’t let unexpected losses set you back. With Builders Risk Insurance from Trendstar Insurance, you can move forward with confidence, knowing your project is backed by comprehensive protection.

Contact Trendstar Insurance today for a fast, accurate Builders Risk quote tailored to your construction or renovation project.