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Builder’s Risk


Call Jenni at (877) 587-4999, or click “The Chatter Box”.


Gladius is pleased to outline our new and most comprehensive builders risk product that recognizes the changing and increasing exposures at construction projects. This Builders Risk product is built to protect contractors and owners against the property and financial losses they may face at a construction project. It’s a well-suited coverage form for projects ranging from small remodel to skyscrapers. Our coverage form can be tailored to meet the specific insurance needs of any given project and shows our commitment to the construction industry.

Policy Features

  • Broader definitions of covered property
  • Ability to cover usable existing structures as part of renovation projects
  • Broad additional insured/waiver of subrogation
  • Multiple valuation options for new work and existing structures
  • Multiple projects and premium reporting options for blanket reporting policies
  • Coinsurance options
  • Broadened causes of loss that trigger optional time element coverage
  • Residential builder’s coverage extensions for model homes and contents, homes in inventory, trade-in homes, and subdivision property
  • Broad definitions for optional flood, earthquake and earth movement

Additional Coverages

  • Contract damages
  • Crane re-erection cost
  • Crime reward
  • Debris removal
  • Escalation/change order
  • Expediting and extra expenses
  • Fire department service charges
  • Fire protection equipment
  • Fungus
  • Green coverage
  • Landscape property
  • Loss data preparation
  • Office trailer contents
  • Plans and records
  • Pollutant clean up
  • Recycling and salvage expenses
  • Removal expenses
  • Sewer backup
  • Temporary locations
  • Temporary structures and trailers
  • Temporary works
  • Transit

Optional Coverages

  • Contingent coverage
  • Equipment breakdown
  • Earthquake and earth movement
  • Flood
  • Historic tax credit
  • Ordinance or law
  • Rain, sleet, and snow intrusion
  • Residential builder’s coverage extensions
  • Time element includes soft costs, rental value, and business income/delay
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