Smarter Builders Risk: The Coverage, Cost, and Structure Every Builder Should Know
Builders Risk insurance shouldn’t be a headache—or a budget buster. Whether you're building one home or managing dozens across Texas and Oklahoma, the right Builders Risk policy should be simple, flexible, and built around real project timelines. Here's what to look for, what to avoid, and why smarter builders are switching to a Modified Blanket Builders Risk Program.
Modified Blanket Coverage: Flexible & Admin-Free
The traditional model involves constant reporting, fixed premiums, and high risk for denied claims. A Modified Blanket Program solves that:
No monthly reporting
Blanket coverage across all qualifying structures
Reduces denied claims from missed documentation
Cuts premiums by 20–50% in many cases
Coverage to Look For in Any Builders Risk Policy
Your policy should go beyond just protecting the structure. Key coverages include:
Theft & Vandalism – especially important for unsecured job sites
Ordinance & Law – covers code-required upgrades post-loss
Soft Costs – reimburses delays, interest, redesigns cause by a loss
Why Pro-Rata Billing & Low Minimum Premiums Matter
Builders often overpay because of how premiums are calculated. A better structure includes:
Pro-rata premiums – pay only for months of actual coverage
Low minimums – no overestimation needed at policy start
More accurate pricing tied to real exposure
Final Thoughts
Smarter Builders Risk coverage helps you reduce costs, avoid administrative drag, and gain more control over your insurance.
If you’re not sure how your current policy stacks up, contact me to discuss our program and the opportunity to save, simplify and improve your coverage.
