Builder's Risk Insurance for Independent Contractors

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Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service. —Brian B.
A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help! —Doof R.

What is Builders Risk Insurance?

Builders Risk Insurance is a commercial insurance line that is specifically designed to protect buildings and structures that are currently being developed, renovated, or constructed, along with the equipment that is being used at these sites.

A Builders Risk Insurance policy usually covers the owner, general contractor, subcontractor, and the financing bank.

If you’re an independent contractor, you know how important it is to have business liability insurance. If an accident happens, having the right insurance coverage could mean the difference of whether your company folds up for good or survives.

construction workers need builders insurance

Who Needs Builders Risk Insurance?

The types of companies that benefit from having Builders Risk Insurance are contractors and renovation businesses including developers, framers, painters, plumbers, roofers, electricians, drywallers, mechanics, landscapers, and many others. If you’re wondering whether your company should have Builders Risk Insurance, give us a call. We’d be glad to help.

What does a Builders Risk Insurance Policy Typically Cover?

Builders Risk Insurance covers the owner of a business, the general contractor, subcontractors, and the financing bank. It protects building and structures that are being developed, renovated, and constructed. It also covers the construction materials, heating and air-conditioning equipment, and labor costs, along with the costs of debris removal and defective workmanship.



Work with an Expert Who Knows Your Industry


Get Quotes from the Country’s Top-Rated Insurance Companies


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Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right Builders Risk Insurance policy for your business. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.

Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need Builders Risk Insurance, Contractor’s Insurance, Business Owner’s Insurance, or Errors and Omissions Insurance to comply with state laws, you can find it here.

We’ve already helped hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.

Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.


Contractor’s Insurance

Contractor’s Insurance covers people, such as plumbers, electricians, HVAC contractors, builders, painters, general contractors, construction managers, specialty contractors, subcontractors and remodelers, from losses and lawsuits.

Business Owners Insurance

A business owner’s policy works to protect your small business from risks such as accidents, natural disasters, property damage, theft and loss of income.

Errors and Omissions Insurance (E&O)

A form of liability protection that goes beyond the coverage offered by business liability insurance. E&O coverage can protect your business in the event that a client sues you for professional negligence.

Business Income Insurance

This vital coverage replaces your loss of profits if you must suspend operations due to direct physical loss to your premises.


Top 5 Risks for contractors, builders, and other construction professionals

  • Equipment damage
  • Injuries to third party workers
  • Property damage
  • Faulty work
  • Theft

Real Talk About Builders Risk Insurance

Visit our blog for the latest news about managing business risks.

Sample Certificate

A sample Certificate of Insurance is available upon request.


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Contact Us. Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST