Builder's Risk Coverage
Project-specific builder's risk insurance from foundation to completion. Covers fire, theft, vandalism, weather damage, and collapse for new construction and major renovation projects of all scales.
Construction projects carry significant financial exposure from the moment ground breaks until the final inspection. Soma's Builder's Risk Insurance secures your investment against fire, theft, vandalism, weather damage, and unforeseen losses throughout every phase of construction — from foundation to completion. Whether you're a general contractor, developer, or owner-builder, get fast, tailored coverage that meets lender and contract requirements without the broker runaround.
Comprehensive construction insurance solutions for contractors, developers, and specialty trades — placed fast, structured right.
Project-specific builder's risk insurance from foundation to completion. Covers fire, theft, vandalism, weather damage, and collapse for new construction and major renovation projects of all scales.
Inland marine coverage for materials, fixtures, and equipment in transit to the job site or awaiting installation. Protects your supply chain investment before it's permanently affixed to the structure.
Bodily injury and property damage liability arising from construction operations. Satisfies owner and lender requirements and covers your crews and subcontractors throughout the project lifecycle.
Inland marine coverage for owned and rented tools, machinery, and heavy equipment on and off the job site. Protect your capital investment against theft, accidental damage, and breakdown.
Liability protection for defect or damage claims that arise long after project handover. Essential for contractors and developers facing post-completion disputes, latent defect suits, or warranty claims.
Owner-controlled and contractor-controlled insurance programs for large-scale developments. Consolidates coverage across all project participants under a single, coordinated policy to eliminate gaps.
Builder's Risk insurance isn't a commodity product — every project has unique timelines, contract requirements, and risk profiles. Soma's specialists structure policies through top-rated markets including Chubb, Liberty Mutual, and Kinsale that flex around your project pipeline, whether it's a single-family spec home, a mixed-use commercial development, or a large multi-trade ground-up construction. We handle lender compliance, contract certificate requirements, and coverage continuity so your project never stalls waiting for paperwork.
See how contractors, developers, and specialty trades have protected their projects with Soma's builder's risk programs.
Soma replaces the slow, transactional broker model with a smarter, faster approach to construction risk — here's what sets us apart.
Direct access to Chubb, Liberty Mutual, and Kinsale — carriers with deep appetite for complex construction risks that standard brokers can't place.
No waiting weeks for quotes. Soma's risk management team analyzes your project fast and binds coverage before your next milestone is delayed.
We satisfy lender, owner, and contract certificate requirements — ensuring your builder's risk policy meets every specification before you break ground.
From high-value commercial developments to mixed-use projects with complex subcontractor structures, Soma places coverage others routinely decline.
Experienced insurance specialists dedicated to protecting your construction investment.
Soma is a specialty commercial insurance brokerage built around one principle: complex businesses deserve faster, smarter coverage. Our Risk Management Team has processed thousands of construction, contractor, and development accounts — learning the nuances of project-specific exposures, lender requirements, and trade-specific risks that generic brokers overlook. By partnering with top-rated carriers including Chubb, Liberty Mutual, and Kinsale, Soma places builder's risk and construction programs that satisfy the most demanding contracts, from ground-up commercial builds to large-scale OCIP wrap-up programs. We don't chase brokers or wait on slow markets — we act fast, structure coverage correctly the first time, and stay accountable to your project timeline from application to certificate delivery.
Builder's Risk insurance covers physical loss or damage to a structure under construction, including the building itself, materials on-site, materials in transit, and temporary structures. Standard covered perils include fire, lightning, windstorm, hail, theft, vandalism, and collapse. Coverage typically begins at groundbreaking and ends at project completion or occupancy, whichever comes first.
Talk to a Soma construction insurance specialist for a fast, no-obligation coverage review.
Authorized to place coverage through Chubb, a global leader in construction insurance.
Authorized placement through Liberty Mutual for contractor and builder's risk programs.
Accredited access to surplus and specialty lines markets for hard-to-place risks.
Share your project details and a Soma construction insurance specialist will structure the right coverage fast — no broker delays, no back-and-forth. We satisfy lender requirements, meet contract specifications, and bind coverage before your next deadline.