Builders
Risk
Course of construction coverage for projects of all sizes — from residential developments to major infrastructure. Enhanced by AI-powered site monitoring, weather risk analytics, and predictive delay modeling.
The AI / Modern Angle
The construction industry is being transformed by AI-powered project management, drone site inspections, BIM (Building Information Modeling), and robotic construction systems. These technologies introduce new risk dimensions — autonomous equipment malfunctions, AI scheduling errors that cascade into delay claims, and cyber vulnerabilities in smart building systems. Traditional builders risk policies don't account for technology-driven construction workflows. Our coverage integrates with IoT site sensors and drone inspection data to provide real-time risk monitoring and dynamic coverage adjustments throughout the construction lifecycle.
Core Coverage Points
Structure & Materials
Physical loss or damage to the building under construction, including materials, fixtures, and equipment on site.
Delay & Soft Costs
Additional expenses from construction delays — including financing costs, permit extensions, and temporary facility rentals.
Natural Catastrophe
Protection against earthquake, flood, wind, and wildfire damage to construction projects with AI-powered weather risk forecasting.
Equipment Breakdown
Coverage for mechanical and electrical breakdown of construction equipment, including AI-guided and autonomous machinery.
Monitored Sites,
Smarter Coverage
Our builders risk policies integrate with your site technology — drone footage, IoT sensors, BIM models — to provide continuous risk assessment. This means faster claims processing, proactive weather alerts, and premium adjustments that reflect actual site conditions.
From single-family homes to multi-billion-dollar infrastructure projects, we structure coverage around your specific build timeline and risk profile.
"Ocean Falls' AI weather risk model predicted a severe storm event 48 hours before landfall. Their proactive alert gave us time to secure the site and prevented an estimated $800K in damage."