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Let’s dive into the essential benefits that ensure your employees are covered when it matters most.
Builder's Risk insurance covers damage to the building or structure under construction. This includes damages caused by events such as fire, lightning, wind, hail, vandalism, or theft. The policy generally covers the cost of materials, labor, and other expenses incurred to repair or replace the damaged parts of the structure.
Builder's Risk insurance covers materials and supplies intended for the construction project that are stored on-site. Whether these materials are waiting to be installed or temporarily stored, Builder's Risk insurance can cover losses if they are damaged or stolen.
In addition to direct physical damage, Builder's Risk insurance can cover "soft costs" including additional interest on loans, real estate taxes, architectural and engineering fees, and legal costs. This coverage helps protect against financial losses beyond just the physical damage to the construction project.
Builder's Risk insurance covers temporary structures that are essential to the construction process, such as scaffolding, fencing, and temporary buildings. These structures are often necessary for safety and logistics during the construction process, and their damage or loss could impact the progress of the project.
After a covered event such as a fire or severe storm, there can be a significant amount of debris to clear before construction can resume. Builder's Risk insurance typically covers the cost of debris removal, ensuring that the site can be cleared and construction can restart promptly.
Builder's Risk insurance provides crucial protection against vandalism, covering the costs associated with damage to your construction project caused by intentional acts of destruction. This ensures that your investment is safeguarded from the financial burden of repairs and delays resulting from such malicious incidents.
Many construction contracts require Builder’s Risk insurance as a mandatory condition. Having this coverage ensures that the business meets contractual obligations, allowing the project to proceed smoothly and maintaining good relationships with contractors, lenders, and other stakeholders.
By ensuring you’re covered, you position your business as a reliable and professional entity that is prepared for any eventuality.
Builder’s Risk insurance safeguards the business from significant financial losses due to unforeseen events like fire, theft, vandalism, or natural disasters during the construction phase. This protection is crucial in preventing costly out-of-pocket expenses for repairs, replacements, or rebuilding.
Builder’s Risk insurance often includes coverage for soft costs, such as additional interest on loans or extended permits, that result from construction delays due to covered events. This helps the business avoid financial strain from delays and keeps the project on schedule.
The insurance covers materials and supplies stored on-site, protecting them from risks like theft or damage before they are installed. This is vital for ensuring the continuity of the construction process without unexpected financial setbacks.
Construction projects are vulnerable to unexpected damages, such as fire, theft, or vandalism during the building phase. This exposes these projects to costly delays and financial losses.
Contractors frequently work with projects that involve the installation of costly, specialized machinery. If this equipment is damaged or stolen before the project is completed, it can be expensive and time-consuming to replace.
Manufacturing companies often need to construct new facilities or expand existing ones to increase production capacity or modernize their operations. During the construction phase, the buildings, specialized equipment, and raw materials are exposed to risks, making Builder's Risk crucial.
Real estate developers often invest in large-scale projects, and Builder's Risk insurance safeguards their investments by covering potential damages to structures under construction.
Companies specializing in renovations or remodeling projects need Builder’s Risk Insurance to protect against damage to structures and materials during upgrades or restorations.
Retail businesses that are renovating their current space or building new stores are exposing their property and materials to risks, including, fire, theft, or vandalism. This makes Builder's Risk crucial for this stage.
With decades of experience, our highly-qualified team is prepared to handle all your insurance needs, guaranteeing precision, expertise, and attention to detail.
We put you first, with a customer support model that’s built around your needs, offering guidance and assistance whenever you need it.
Enjoy the confidence that comes from knowing your business is fully protected, with insurance solutions that give you one less thing to worry about.
We provide extensive coverage that’s both thorough and affordable, giving you top-tier protection without breaking the bank.
Our team of seasoned professionals delivers expert guidance with a commitment to excellence, making sure every aspect of your coverage is handled with the utmost care and precision.
Your business is unique, and so are our insurance solutions—crafted to fit your specific needs and deliver the best possible protection
Hear from the satisfied small business owners we’ve had the privilege to protect.
Builder’s Risk Insurance covers your construction project against physical damage, but what about protecting your workers on-site? Adding Workers' Compensation Insurance ensures that your employees are covered for injuries or illnesses sustained while working, providing vital protection for your team and keeping your project compliant with state laws.
Builder’s Risk Insurance protects the physical aspects of your construction project, but what about third-party claims? General Liability Insurance complements your Builder’s Risk coverage by protecting your business from lawsuits related to bodily injuries or property damage that occur on or around the job site.
Builder’s Risk Insurance covers the materials and structure of your project, but what about the vehicles transporting those materials? Commercial Auto Insurance ensures that your business vehicles and drivers are protected from financial losses due to accidents or damages while on the road.
Whether it’s a lawsuit, property damage, or an unforeseen accident, the potential costs can be crippling. And it’s not just about the immediate financial hit—think about the long-term consequences. The loss of reputation, the disruption to operations, and the stress on your team. The last thing you want is to be caught unprepared when it matters most.
The problem is, the process of securing the right insurance is a time-consuming nightmare. The sheer volume of options available and the number of providers you need to contact is just the beginning. Add to that the complex jargon used in policies, the hours required to evaluate and compare your choices, and the negotiation process that follows. All of this, while ensuring you meet contractual obligations and comply with New York City regulations.
As a business owner already juggling day-to-day operations, who has the time to navigate through it all?
That’s where we come in. At Reliable Insurance, we offer a concierge service designed to lift the burden off your shoulders.
From your initial consultation, our dedicated team dives deep into understanding your business’ unique needs. We work meticulously to search for policies that not only cover the entire scope of your needs, but that ensure you’re getting the best value for your money.
Our mission is to make the process completely stress-free. We’ll patiently answer your questions and handle all the details—managing documentation, negotiating on your behalf, and ongoing policy management—so you can confidently focus on running your business, knowing you made the right decision. Our dedicated team becomes your trusted advisor, ensuring your business is protected with coverage tailored to fit perfectly.
It really is more than just about protecting what you have—it’s about having the confidence to grow your business. The right insurance strategy provides a foundation upon which you can work with peace of mind. It frees you from the constant worry or “what if” and allows you to focus on your craft. Imagine the possibilities when you know your business is covered, no matter what unforeseen circumstance comes your way.
More financial security.
More respect from your clients, project owners, and employees.
More status in the industry.
That’s the power of comprehensive coverage.
In today’s competitive market, the most successful businesses are the ones that think ahead. They don’t just react to risks—they proactively manage them. By partnering with Reliable Insurance, you’re joining a community of business leaders who prioritize security and growth. These are the businesses that not only survive challenges but thrive because they’ve planned for them.
You wouldn’t be here if you weren’t serious about growing your business, don’t let uncertainty hold you back and take control of your business’s future with the right insurance advisor by your side.
