Easily quantifiable costs: Building Materials, Equipment, Temporary Structures, Site, Overhead, etc.

Architectural, engineering, financing, and legal fees

I agree to the following:

I understand that insurance coverage is not bound or altered until I receive confirmation by an authorized representative of Spire America Insurance *

Get a Builders Risk Insurance Quote

Please complete this form to request a quote for your Builders Risk

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 Builders Risk Insurance is insurance coverage that provides protection for damage to buildings or structures under construction, renovation or repair.  This policy can include coverage for construction materials, heating and air-conditioning equipment, labor costs and expenses in addition to temporary structures such as construction signs, false work, fencing, cribbing, scaffolding, and even trees and other plants.  A Builders Risk Insurance Policy also helps cover the costs of debris removal and defective workmanship.

This tailored coverage helps to protect the owner, the general contractor, subcontractors, and the financing bank.  Builders risk insurance is often misunderstood and the nuances of coverage are often not addressed until an actual loss occurs.

What Makes Our Program Different?

Top O' Michigan Insurance knows you need a Builders Risk program that provides not only broad, comprehensive coverage for your projects, but at competitive pricing.  Let our Licensed Insurance Solution Providers help you find the right coverage for each structure from the day you break ground until the day the structure is sold—for up to a full 12 months!    

Coverage is for damage and materials from:

  • Fire
  • Wind
  • Theft
  • Explosions
  • Lightning
  • Hail
  • Vandalism
  • Flood and Earth Movement Coverage(Available up to $5,000,000)

Coverage for:

  • Custom Homes
  • Condos or Town Homes
  • Commercial Buildings
  • Remodels / Renovations
  • Model Homes and Sales Office Coverage
  • Homes Pending Sales

Program Highlights

  • Broad Named Insured - Includes the interest of all Contractors, Sub-Contractors and Owners
  • Equipment Breakdown Included
  • Permission to Occupy Included
  • Replacement Cost w/ NO Co-Insurance
  • Include coverage for:
    • Soft Costs
    • Debris Removal Expenses
    • Emergency Removal Expense
    • Fraud and Deceit
    • Limited Fungus Coverage
    • Contractual Penalty
    • Expediting Expenses
    • Fire Departments Services Charges
    • Pollutant Cleanup and Removal
    • Ordinance or Law(Undamaged parts of a building)–Increased Cost-Repair & Clear Site
    • Property in Transit
    • Re-erecting Scaffolding
    • Nonadjacent roads and walkways
    • Trees, Shrubs, and Plants
    • Valuable Papers
    • Classic, Premier, or Platinum Package Highlights

Our Locations

Traverse City
Spire Insurance Solutions
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Spire Insurance Solutions
400 Renaissance Ctr Ste 2600
Detroit, MI 48243-1502

Local: (800) 686-8664