Builder’s Risk Insurance
From groundbreaking to the final nail, Builder’s Risk insurance keeps your project protected. Coverage for materials, structures, and on-site liability gives you peace of mind while you build.
Builder’s Risk Insurance in Florida.
Protect your construction project from start to finish. At Smith & Thomas Insurance, we help Florida contractors and property owners secure Builder’s Risk insurance to cover structures, materials, and liability while your project is underway. Our independent agents work with top carriers to find coverage that fits your project, timeline, and budget.
Why Builder’s Risk Matters.
Builder’s Risk insurance goes beyond standard property coverage—it protects your investment while your construction project is in progress. A policy can provide financial protection for:
- Fire, storm, or hurricane damage
- Theft or vandalism of materials and equipment
- Liability if someone is injured on the construction site
- Loss of income if the project is delayed due to a covered event
Without proper Builder’s Risk coverage, unexpected events can derail your project and finances. That’s why our team takes the time to explain your options and match you with policies that provide peace of mind throughout the build.
What’s Included in a Typical Builder’s Risk Policy?
Every construction project is different, but most Builder’s Risk policies cover:
- Structural coverage – protection for the building or structure under construction
- Materials and equipment – coverage for supplies and tools stored on-site
- Liability protection – covers claims if someone is injured during construction
- Soft costs / delay coverage – additional expenses from project delays due to covered losses
Optional add-ons may include:
- Coverage for subcontractor equipment or materials
- Earthquake or flood insurance (especially important in Florida)
- Ordinance or law coverage for rebuilding to updated codes
Why Choose Smith & Thomas Insurance?
Local expertise – Serving contractors and property owners in Lakeland, Polk County, and across Florida for over 65 years.
Independent agents – We compare Builder’s Risk policies from multiple carriers, so you get more options and the best value. We work for you!
Personal service – We answer your questions and explain coverage in plain language.
Trusted guidance – Our clients rely on us to protect their investments from groundbreaking to completion.
Get a Free Home Insurance Quote Today!
Protect your home with coverage you can count on. Contact Smith & Thomas Insurance today for a free, no-obligation home insurance quote or call us at 863-688-1141.