Builder's Risk Coverage
Project-specific builder's risk policies protecting structures under construction against fire, theft, vandalism, weather damage, and other covered perils from groundbreaking through project completion.
Construction projects carry significant financial exposure from the moment groundbreaking begins. Soma's Builder's Risk insurance protects your structure, materials, and equipment throughout every phase — from foundation to final inspection. Whether you're a general contractor, developer, or owner-builder, we secure fast, competitive quotes through top-rated specialty carriers so your project stays protected and on schedule.
Comprehensive builder's risk coverage tailored to every construction project type, size, and phase.
Project-specific builder's risk policies protecting structures under construction against fire, theft, vandalism, weather damage, and other covered perils from groundbreaking through project completion.
Inland marine coverage protecting materials, fixtures, and equipment while in transit to the job site or awaiting installation, ensuring no gap exists between warehouse and completion.
General liability protection for bodily injury and property damage arising from construction operations, satisfying lender, owner, and contract requirements throughout the project lifecycle.
Inland marine coverage for owned and rented tools, machinery, and equipment on and off the job site, protecting contractors from costly losses due to theft or accidental damage.
Liability protection for defect or damage claims that arise after a project is handed over, shielding contractors and developers from long-tail exposure well beyond the construction phase.
Owner- or contractor-controlled wrap-up programs consolidating coverage across all project participants for large-scale, multi-trade developments — simplifying compliance and reducing redundancy.
Construction projects face a unique set of risks that standard commercial policies simply don't address. Soma works with leading specialty carriers — including Chubb, Liberty Mutual, and Kinsale — to place builder's risk coverage that keeps pace with your project timeline. From residential builds to large commercial developments, our Risk Management Team structures policies that satisfy lender and contract requirements while delivering the right protection at the right price — with no weeks of waiting and no chasing brokers.
See how Soma has helped contractors and developers secure fast, reliable builder's risk coverage for their projects.
Soma is built for the complexity of construction — placing coverage others won't, faster than anyone else.
We access top-rated markets including Chubb, Liberty Mutual, and Kinsale to place builder's risk policies that standard brokers regularly decline.
Submit a single application and receive competitive builder's risk quotes across multiple carriers — no redundant forms, no delays, no broker chasing.
Our Risk Management Team moves quickly to bind coverage aligned with your project start date, lender requirements, and contract obligations.
From complex multi-trade developments to high-risk construction classes, Soma specializes in placing coverage that mainstream brokers turn away.
Experienced insurance specialists dedicated to protecting every construction project.
Soma was built on a single conviction: businesses handling complex, high-stakes risks deserve faster, smarter insurance placement. Our Risk Management Team has processed thousands of businesses across construction, manufacturing, healthcare, and more — learning the nuances of each industry to act quickly and get clients insured at the right price. We've forged deep relationships with leading specialty carriers like Chubb, Liberty Mutual, Kinsale, and Nationwide, giving us the market access to place builder's risk and construction coverage that others routinely decline. At Soma, we replace the slow, fragmented experience of traditional brokerage with a seamless, single-application process — because when your project is ready to break ground, the last thing you need is to wait on your insurance.
Builder's risk insurance exists to protect a construction project's financial investment during the building phase. It covers the structure under construction, on-site materials, and temporary installations against losses from fire, theft, vandalism, wind, and other covered perils. Without it, a single weather event or theft incident could result in significant out-of-pocket costs that delay or derail a project entirely.
Speak with a Soma specialist for a fast, no-obligation consultation on your project's coverage needs.
Authorized to place builder's risk through Chubb, a top-rated global insurer
Authorized access to Liberty Mutual's specialty construction insurance programs
Meets BBB standards for trust and ethical business practices
Fill out the form below and a Soma specialist will reach out quickly to assess your project, match you with the right carrier, and bind coverage before your groundbreaking date.