Last updated: October 2025
Applies to: Contractors, builders, and project owners
About Our Construction Insurance
At BuildSure Insurance, we understand that every construction project comes with risks — from equipment damage to unforeseen delays. Our Construction Insurance Policy is designed to protect your business, your team, and your projects from financial loss caused by accidents, damage, or liability claims that may occur during construction.
Whether you’re building residential properties or managing large commercial sites, our coverage provides peace of mind from project start to completion.
What’s Included in Your Policy
Our standard policy typically includes:
Property Damage Coverage — Protects against fire, theft, vandalism, storms, or accidental damage to on-site materials and structures.
Third-Party Liability — Covers injuries or property damage to others caused during your construction activities.
Equipment & Tools Protection — Coverage for owned or leased equipment and machinery used on the project.
Worker Injury Coverage — Helps cover medical expenses or compensation if a team member is injured on the job.
Delay Coverage (optional add-on) — Reimburses certain costs if a covered event causes project delays.
What’s Not Covered
While our coverage is broad, certain exclusions apply. We do not cover:
Normal wear and tear
Design or workmanship defects
Contractual penalties or fines
Damage resulting from intentional acts or gross negligence
Filing a Claim
If an incident occurs, our claims process is simple and transparent:
Report the incident to us as soon as possible.
Gather supporting documents — photos, invoices, witness statements, and any official reports.
Submit your claim through your BuildSure online account or directly with your assigned agent.
Our claims team will review the details and provide an update within 3–5 business days.
We’ll guide you through every step to ensure your claim is handled quickly and fairly.
Frequently Asked Questions
Q: Is construction insurance required by law?
A: Not always, but most project owners and contractors require proof of insurance before work begins.
Q: How much does BuildSure’s construction insurance cost?
A: Pricing depends on the project’s size, duration, and location. On average, premiums range from 1–3% of the project’s total value.
Q: Can I include subcontractors in my policy?
A: Yes. You can add subcontractors as “additional insured” during the policy setup or renewal.
Q: How long does coverage last?
A: Coverage remains active throughout the project and can be extended for post-completion liabilities if needed.
Q: What should I do if my equipment is stolen or damaged?
A: File a claim immediately through your BuildSure account with photos and details. We’ll help you determine if it’s covered and start the reimbursement process.
Need Help?
If you have questions about your policy, coverage, or need assistance with a claim, our team is here to help.
📞 Contact Support: 1-800-BUILDSURE
📧 Email: support@buildsureinsurance.com
💬 Chat with us: Use the chat widget at the bottom right of this page
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