{"id":2010,"date":"2025-06-04T19:32:05","date_gmt":"2025-06-04T19:32:05","guid":{"rendered":"https:\/\/before-you-build.buildzoom.com\/construction-insurance-basics"},"modified":"2025-10-16T16:02:32","modified_gmt":"2025-10-16T16:02:32","slug":"construction-insurance-basics","status":"publish","type":"page","link":"https:\/\/before-you-build.buildzoom.com\/?page_id=2010","title":{"rendered":"Construction Insurance Basics"},"content":{"rendered":"\t\t<div data-elementor-type=\"page\" data-elementor-id=\"2010\" class=\"elementor elementor-2010\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a04c836 e-flex e-con-boxed e-con e-parent\" data-id=\"5a04c836\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55156108 elementor-widget elementor-widget-text-editor\" data-id=\"55156108\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-size: 16px;\">A clear overview of the types of insurance involved in a construction project, what they cover, and what to confirm before work begins<\/span><\/h2>\n<h3>Introduction<\/h3>\n<p>Before any work begins on your property, it&#8217;s important to make sure everyone involved, especially your contractor, is properly insured. Construction carries risk, and insurance is the tool that protects you, your home, and the people working on the project if something goes wrong.<\/p>\n<p>Whether you&#8217;re remodeling a bathroom or building a new home, this page explains the most common types of insurance you&#8217;ll encounter and what you need to ask for before signing off.<\/p>\n<h3>Why Insurance Matters During Construction<\/h3>\n<p>Construction involves tools, tradespeople, and often major changes to your home or structure. Without proper insurance in place:<\/p>\n<ul>\n<li>You could be held financially responsible for injuries on your property<\/li>\n<li>You could be stuck covering damage to your home or materials<\/li>\n<li>You may have issues with your lender, permit office, or HOA<\/li>\n<\/ul>\n<p>Having the right insurance is about protecting your investment and avoiding surprises during or after construction.<\/p>\n<h3>Key Insurance Types to Know<\/h3>\n<h4>General Liability Insurance (Provided by the Contractor)<\/h4>\n<p>This is the most essential insurance for any construction project.<\/p>\n<p>What it covers:<\/p>\n<ul>\n<li>Damage to your property caused by the contractor or their crew (e.g., a water line is hit during demo, or a falling ladder breaks a window)<\/li>\n<li>Injuries to third parties (like a neighbor or delivery driver who trips over jobsite materials)<\/li>\n<li>Legal costs if the contractor is sued due to negligence during the project<\/li>\n<\/ul>\n<p>What to check:<\/p>\n<ul>\n<li>Confirm that the contractor has an active policy&nbsp;that covers the entire duration of your project<\/li>\n<li>Coverage amounts should be at least $1 million per occurrence, with $2 million aggregate&nbsp;as a general standard<\/li>\n<li>Ask for a Certificate of Insurance&nbsp;and check that your name and project address are listed<\/li>\n<\/ul>\n<p>Why it matters:&nbsp;Without this coverage, any damage caused by the contractor may fall on you to repair\u2014or you may have to fight for reimbursement out-of-pocket.<\/p>\n<h4>Workers\u2019 Compensation Insurance (Contractor)<\/h4>\n<p>This protects workers, not the property owner, from jobsite injuries.<\/p>\n<p>What it covers:<\/p>\n<ul>\n<li>Medical bills, lost wages, and rehabilitation for injured workers<\/li>\n<li>Liability protection for the property owner if a worker is injured on site<\/li>\n<\/ul>\n<p>When it\u2019s required:<\/p>\n<ul>\n<li>Most states require it if the contractor has one or more employees<\/li>\n<li>Some small or solo contractors claim exemption\u2014but this may put you at risk<\/li>\n<\/ul>\n<p>What to check:<\/p>\n<ul>\n<li>Ask for a certificate of workers\u2019 compensation insurance<\/li>\n<li>If they claim exemption (e.g., for owner-operated businesses), get this in writing and proceed with caution<\/li>\n<\/ul>\n<p>Why it matters:&nbsp;Without workers\u2019 comp, an injured worker could try to file a claim against your homeowner\u2019s insurance or pursue legal action against you.<\/p>\n<h4>Builder\u2019s Risk Insurance<\/h4>\n<p>This covers damage to the building under construction and to materials on site.<\/p>\n<p>What it covers:<\/p>\n<ul>\n<li>Fire, theft, vandalism, or weather-related damage during construction<\/li>\n<li>Building materials stored onsite or in transit<\/li>\n<li>Tools, equipment, and temporary structures (in some policies)<\/li>\n<li>Damage caused by accidents that are not contractor negligence<\/li>\n<\/ul>\n<p>Who provides it:<\/p>\n<ul>\n<li>Sometimes included by the general contractor<\/li>\n<li>In many cases, especially when using a loan, the owner is required&nbsp;to provide the policy<\/li>\n<li>Premiums are based on the project value and duration<\/li>\n<\/ul>\n<p>When it\u2019s needed:<\/p>\n<ul>\n<li>New construction<\/li>\n<li>Major additions or structural remodels<\/li>\n<li>Projects with long timelines or high material value<\/li>\n<\/ul>\n<p>Why it matters:&nbsp;If a storm destroys framing mid-construction or materials are stolen from the site, builder\u2019s risk is often the only coverage that applies. Homeowner\u2019s insurance rarely covers materials or incomplete structures.<\/p>\n<h4>Homeowner\u2019s Insurance (Owner)<\/h4>\n<p>This covers your existing property, but often excludes coverage during major construction.<\/p>\n<p>What it usually covers:<\/p>\n<ul>\n<li>Basic structure and personal belongings before and after construction<\/li>\n<li>Liability for accidents on your property (but not for construction-related injuries)<\/li>\n<\/ul>\n<p>What it typically does not&nbsp;cover:<\/p>\n<ul>\n<li>Damage caused by ongoing construction (e.g., fire from new electrical work, damage from demo)<\/li>\n<li>Theft or vandalism of construction materials<\/li>\n<li>Work being done by uninsured contractors<\/li>\n<\/ul>\n<p>What to do:<\/p>\n<ul>\n<li>Contact your insurer before construction starts<\/li>\n<li>Ask if your policy needs a construction endorsement or rider<\/li>\n<li>If required, they may recommend switching to a Builder\u2019s Risk&nbsp;policy for the project duration<\/li>\n<\/ul>\n<p>Why it matters:&nbsp;Many owners assume their policy covers everything, but if something happens during active work, your claim may be denied if you didn\u2019t notify your insurer.<\/p>\n<h3>Common Scenarios and What Insurance Covers<\/h3>\n<p>Understanding the technical details of insurance policies is one thing; knowing how those policies apply in the real world is another. To help you make sense of how coverage actually works during construction, we\u2019ve created a visual matrix that outlines common real-life scenarios and which insurance types typically apply.<\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">\n<h4>&nbsp;<\/h4>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<h4><span style=\"font-size: 24px;\">General Liability (Contractor)<\/span><\/h4>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<h4 style=\"color: rgb(51, 51, 51); font-family: Figtree, sans-serif;\">Worker&#8217;s Compensation<\/h4>\n<h4><\/h4>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<h4>Builder&#8217;s Risk<\/h4>\n<\/td>\n<td colspan=\"1\" rowspan=\"1\">\n<h4>Homeowner&#8217;s Insurance<\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Contractor accidentally floods the home during plumbing work<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Worker falls off a ladder and is injured on the job site<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Storm damages partially framed addition<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Theft of building materials left on site overnight<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Neighbor trips on construction debris and is injured<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\">Owner-provided appliance is damaged during install<\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Dispute arises over scope of work not completed properly<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Fire breaks out due to construction activity<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Subcontractor causes property damage<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\">Vandalism to structure during off-hours<\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Construction materials catch fire during welding<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\">Project is delayed due to contractor injury<\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Crane damages neighbor&#8217;s property during delivery<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Flood damages job site due to uncovered roof<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td>\n<td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><span style=\"font-size: 14.4px;\">Contractor\u2019s employee breaks window while unloading materials<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\">Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td><td colspan=\"1\" rowspan=\"1\">Not Covered<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>What to Ask Your Contractor For<\/h3>\n<p>Before signing a contract or starting work, request documentation that confirms your contractor has active insurance coverage. Specifically, ask for:<\/p>\n<ul>\n<li>A Certificate of General Liability Insurance&nbsp;with:<\/li>\n<\/ul>\n<ul>\n<li>Coverage amounts clearly listed (e.g., $1M per occurrence)<\/li>\n<li>Your name and project address listed, if possible<\/li>\n<li>You named as Additional Insured&nbsp;for added protection<\/li>\n<\/ul>\n<ul>\n<li>Proof of Workers\u2019 Compensation Insurance&nbsp;if the contractor has employees.<\/li>\n<\/ul>\n<ul>\n<li>If the contractor claims exemption (e.g., a solo operator), ask for this in writing and confirm what happens if subcontractors are brought on.<\/li>\n<\/ul>\n<ul>\n<li>Clarification about Builder\u2019s Risk Insurance:<\/li>\n<\/ul>\n<ul>\n<li>Ask if they carry it or expect you to provide it<\/li>\n<li>If the contractor doesn\u2019t carry it, confirm whether it&#8217;s needed for your specific project type<\/li>\n<\/ul>\n<p>Not all contractors will volunteer this information, but reputable professionals are accustomed to being asked and will usually have certificates ready to share.<\/p>\n<h3>Who Provides Builder\u2019s Risk Insurance?<\/h3>\n<p>Whether you or the contractor provides Builder\u2019s Risk Insurance depends on the project and the structure of the agreement.<\/p>\n<ul>\n<li>Owner-Provided Policies&nbsp;are more common when:<\/li>\n<\/ul>\n<ul>\n<li>You\u2019re building a custom home or financing the project through a lender<\/li>\n<li>You\u2019re acting as the owner-builder or contracting trades separately<\/li>\n<li>The project involves long timelines or high-value materials<\/li>\n<\/ul>\n<ul>\n<li>Contractor-Provided Policies&nbsp;are more common when:<\/li>\n<\/ul>\n<ul>\n<li>The contractor has wrapped this into their total project cost<\/li>\n<li>You\u2019re working with a design-build firm or general contractor that manages the entire project lifecycle<\/li>\n<\/ul>\n<p>If you&#8217;re using a construction loan, your lender will usually require Builder\u2019s Risk&nbsp;and may specify who must carry it. If unclear, talk to both your contractor and lender to confirm how it will be handled. You want to avoid gaps where no one is carrying the policy or double coverage where both parties are unknowingly insured for the same risk.<\/p>\n<h3>What If Subcontractors Are Involved?<\/h3>\n<p>Most general contractors hire subcontractors for specialized trades like plumbing, electrical, HVAC, roofing, or cabinetry. These subs may or may not be covered under the GC\u2019s insurance policy, so it\u2019s important to verify:<\/p>\n<ul>\n<li>Ask your contractor:<\/li>\n<\/ul>\n<ul>\n<li>\u201cDo you require your subcontractors to carry their own insurance?\u201d<\/li>\n<li>\u201cDo you collect certificates of insurance from all your subs?\u201d<\/li>\n<li>\u201cAre your subcontractors covered under your general liability and workers\u2019 comp policies?\u201d<\/li>\n<\/ul>\n<ul>\n<li>If subcontractors are not covered&nbsp;by the GC, each one should carry:<\/li>\n<\/ul>\n<ul>\n<li>General Liability Insurance<\/li>\n<li>Workers\u2019 Compensation&nbsp;if they have employees<\/li>\n<\/ul>\n<p>You don\u2019t need to review every subcontractor\u2019s certificate yourself, but you do want assurance from your GC that they\u2019re managing this process responsibly.<\/p>\n<h3>What\u2019s Next: Project Protections You Might Not Know About<\/h3>\n<p>Once your contract is signed and insurance is confirmed, there are still a few legal and financial protections that often get overlooked, especially by first-time project owners. These include how payments are structured, how change orders are handled, and how to protect yourself from liens or legal claims if things go sideways.<\/p>\n<p>Understanding these terms upfront can help you avoid misunderstandings, reduce risk, and move through construction with more confidence.<\/p>\n<p>Continue to <a href=\"https:\/\/before-you-build.buildzoom.com\/?page_id=2035\">Project Protections: Liens, Payments &amp; Legal Terms<\/a>&nbsp;to learn about lien waivers, progress payments, warranty language, and other important details that aren\u2019t always obvious in the fine print.<\/p>\n<div>&nbsp;<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A clear overview of the types of insurance involved in a construction project, what they cover, and what to confirm before work begins Introduction Before any work begins on your property, it&#8217;s important to make sure everyone involved, especially your contractor, is properly insured. Construction carries risk, and insurance is the tool that protects you, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":2015,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2010","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Construction Insurance Basics - BuildZoom - Before You Build<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/before-you-build.buildzoom.com\/?page_id=2010\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Construction Insurance Basics - BuildZoom - Before You Build\" \/>\n<meta property=\"og:description\" content=\"A clear overview of the types of insurance involved in a construction project, what they cover, and what to confirm before work begins Introduction Before any work begins on your property, it&#8217;s important to make sure everyone involved, especially your contractor, is properly insured. 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