Call or text 541-681-8793
Builders risk & course of construction

Builders risk insurance for your construction or renovation project.

Coverage for ground-up builds, major remodels, and fix-and-flips while the work is underway: the structure, materials, and the gaps a homeowners or landlord policy will not cover. Fast quotes, often same day.

  • New construction, renovations, and fix-and-flip projects
  • Covers the structure, materials, and work in progress
  • Coordinated with your liability and the property's permanent coverage
  • Independent, we shop builders-risk specialists for you
★★★★★ “Found great rates for my general liability and workers' comp, saving m” — Office M., Google

Get your quote

A real person replies, usually within the hour. No spam.

Rather talk? Call or text 541-681-8793

Independent agency · US Assure · Guard · Travelers · Specialty builders-risk markets · Licensed in OR, WA, CA, ID, UT, NV, AZ, MT, CO, TX, NM

Why investors and owners choose us

Built for the project

Course-of-construction coverage scoped to your project value, timeline, and whether it is owner- or contractor-controlled.

Closes the gap

Standard homeowners and landlord policies often exclude vacant, renovation, and construction exposures. Builders risk fills it.

Fast and lender-ready

Need it to close or to satisfy a lender? We can often quote and bind quickly with the right project details.

What we help protect

If it is income-producing or under construction, we can likely help.

Ground-up constructionMajor renovationFix-and-flipVacant during rehabOwner-controlledContractor-controlledResidentialCommercial

What our clients say

★★★★★

"Found great rates for my general liability and workers' comp, saving me literally thousands of dollars every month. Communicative and responsive."

Office M. · Google review
★★★★★

"A genuinely caring person who goes above and beyond. His attention to detail and thoughtful approach made a real difference."

Selva T. · Google review
★★★★★

"Answered all my questions promptly and catered to every request. Easy to reach by phone and email. 10/10, highly recommend."

Total W. · Google review

Quick questions

What does builders risk insurance cover?

It covers the structure under construction, building materials, and work in progress against covered losses such as fire and theft during the project.

Do I need it for a fix-and-flip?

Often yes. Standard homeowners and landlord policies typically exclude vacant and renovation exposures, so a builders risk or rehab policy fills that gap.

Who buys builders risk, the owner or the contractor?

Either, depending on the contract. We help determine who should carry it and how it coordinates with the general contractor's liability.

How long does the coverage last?

Usually the project term, commonly 3 to 12 months, and it can often be extended if the project runs long.

How fast can I get a quote?

Often same day once we have the project details. A real person follows up, usually within the hour.

Ready for real quotes?

Tell us about your property or project and a real person gets back to you, usually within the hour.

Get my quote Call 541-681-8793