A building under construction or sitting empty carries risks a standard property policy will not cover. Builders risk and vacant property insurance protects structures during construction, renovation, or vacancy, when they are most exposed to fire, weather, theft, and vandalism.
What builders risk and vacant property covers
- Builders risk. Property during construction or renovation.
- Vacant property. Buildings sitting unoccupied between uses.
- Materials on site. Supplies and equipment staged for the job.
- Fire, weather, theft, and vandalism. The perils empty and open buildings face most.
- Soft costs. Lost income and related expenses after a covered delay, where applicable.
Why these properties need specialized coverage
Standard property policies often limit or exclude coverage once a building is vacant or under construction, which is exactly when the risk is highest. Coverage built for these situations keeps the property protected through the gap instead of leaving you exposed. ISC partners with A+ rated carriers to match the coverage to the property.
How it fits with your other coverage
Builders risk and vacant property coverage works alongside commercial property and general liability so the building is covered whether it is occupied, empty, or mid-project. One team, one call when something happens.
Get a builders risk or vacant property quote
Tell us about the property and we will build a quote that fits. It is quick, with no obligation. Email sales@isccoverage.com, call (631) 750-6990, or request a quote here.
