Builder's Risk
Project-specific coverage protecting structures under construction from foundation to completion, including fire, theft, and weather-related losses at the job site.
Construction sites carry layered risks that standard brokers often can't navigate — from foundation to final handover. Soma's construction insurance specialists place property and casualty coverage for general contractors, subcontractors, specialty trades, and developers through top-rated carriers like Chubb, Liberty Mutual, and Kinsale. Get the right program structured fast, with no chasing and no delays.
Comprehensive property and casualty programs for every phase of construction, from groundbreaking to completed operations.
Project-specific coverage protecting structures under construction from foundation to completion, including fire, theft, and weather-related losses at the job site.
General liability coverage for bodily injury and property damage arising from construction operations, satisfying lender, owner, and contract requirements.
Protection against defect claims and liability arising long after project handover, keeping contractors covered through the full statutory exposure window.
Inland marine coverage for owned and rented machinery, tools, and equipment — on-site, in transit, or at off-site storage locations.
Coverage for materials and equipment in transit to or awaiting installation at the job site, protecting against loss before property coverage kicks in.
Owner- or contractor-controlled insurance programs consolidating coverage across all project participants for large-scale, multi-trade developments.
Construction insurance is one of the most complex placements in commercial P&C — lenders, owners, and contract requirements all impose coverage standards that standard brokers struggle to satisfy. Soma's construction specialists work with Chubb, Liberty Mutual, and Kinsale to structure programs that flex around your project pipeline, from single-trade subcontractors to large-scale developers running multi-trade wrap-up programs. We place risks others decline and bind coverage fast.
See how Soma has helped construction businesses get covered fast and stay protected on every project.
Soma replaces the slow, fragmented broker experience with a faster, smarter approach to construction risk management.
Direct access to Chubb, Liberty Mutual, and Kinsale — carriers with real appetite for complex construction risks others decline.
No waiting weeks for quotes. Soma's risk team analyzes your operations and binds construction coverage quickly through a single application.
We structure programs that satisfy lender, owner, and project contract requirements — including wrap-up and OCIP/CCIP for multi-trade developments.
From new ventures and specialty trades to complex multi-phase developments, Soma places construction risks that standard markets routinely turn away.
Experienced specialists dedicated to placing construction insurance right.
Soma was built to solve the single biggest frustration in commercial insurance: the slow, opaque, and fragmented broker experience that leaves complex businesses underinsured or waiting weeks for a quote. The Soma risk management team has processed thousands of businesses across construction, manufacturing, healthcare, and other demanding verticals — and brings deep underwriting knowledge to every placement. For construction clients, that means programs structured around your actual project pipeline, carrier relationships that hold up under scrutiny at contract review, and a seamless experience from first application to bound coverage. Soma partners with top-rated markets including Chubb, Liberty Mutual, and Kinsale to deliver competitive, comprehensive P&C programs for general contractors, subcontractors, specialty trades, and real estate developers nationwide.
A construction insurance broker is a licensed intermediary who works on behalf of contractors, subcontractors, and developers to identify, structure, and place property and casualty coverage with specialty carriers. Unlike a direct insurer, a broker has access to multiple markets — allowing them to match complex construction risks with carriers that have real appetite for those exposures, often securing better terms and coverage than a single-carrier approach.
Talk to a Soma construction insurance specialist for a fast, no-obligation consultation.
Authorized to place coverage through one of the world's leading P&C insurers.
Appointed broker with Liberty Mutual for commercial construction programs.
Direct placement authority with Kinsale, Markel, and Nationwide specialty markets.
Complete one application and Soma's construction risk specialists will analyze your operations, match you with the right carriers, and deliver a comprehensive P&C program — fast.