Protect Your Construction Projects from the Ground Up.
From residential homes to commercial buildings, every construction project faces risk before it’s finished. At Rocky Mountain Insurance Advisors (RMIA), we help builders, developers, and property owners protect their works-in-progress with Builders Risk Insurance — comprehensive coverage designed for Colorado construction.
Builders Risk Insurance (also known as Course of Construction Insurance) covers buildings and materials during construction or major renovation.
It protects against losses from fire, theft, vandalism, storms, or other unforeseen events that can delay projects or cause costly rebuilds.
Whether you’re constructing a new home in Castle Rock or developing a commercial property along I-25, builders risk coverage ensures your investment is secure until the final walkthrough.
Colorado’s unpredictable weather — hail, wind, and sudden wildfires — combined with rising material costs makes it critical to protect projects before completion.
Builders Risk Insurance helps cover:
Damage to structures under construction
Loss or theft of building materials on-site or in transit
Temporary structures like scaffolding, trailers, or fencing
Cleanup and debris removal after a covered loss
Without it, a single storm or job-site fire could cause tens of thousands in uninsured losses.
Coverage can be customized for residential or commercial projects. Typical protection includes:
1. Building Materials & Supplies
Covers materials stored on-site, in transit, or temporarily elsewhere for use in the project.
2. Equipment & Fixtures
Protects installed fixtures, machinery, and construction tools used on the project.
3. Fire, Theft, and Vandalism
Covers property loss caused by fire, vandalism, or theft — common at job sites.
4. Weather-Related Damage
Includes protection for wind, hail, and lightning damage — especially relevant in Douglas County.
5. Debris Removal & Cleanup Costs
Pays for clearing debris or damaged materials after a covered incident.
6. Soft Costs (Optional)
Covers additional expenses from project delays, like loan interest, legal fees, and permits.
This policy is ideal for anyone with a financial stake in a construction project, including:
Homeowners building or remodeling a residence
General contractors and builders
Developers and investors
Commercial property owners
Construction managers and project financiers
If you’re responsible for construction materials or site management — you need coverage.
Castle Rock’s construction boom means new neighborhoods, remodels, and commercial sites are constantly underway. RMIA understands the local permit requirements, lender needs, and weather exposures that affect Colorado construction projects.
We help tailor coverage by project type — from custom homes in Castle Pines to commercial builds along Founders Parkway — ensuring you’re compliant and fully protected from day one.
Independent & Local: We compare policies from multiple top-rated carriers.
Construction-Focused Expertise: 20+ years serving Colorado builders and developers.
Flexible Policy Terms: Short-term and renewable coverage available for ongoing projects.
Fast Certificates: Proof of insurance delivered same-day for permits and lenders.
It covers structures, materials, and equipment during construction or renovation against risks like fire, theft, vandalism, and weather damage.
Either can purchase it, depending on contract terms. RMIA can advise on who should carry coverage for your project.
Yes, most lenders require proof of coverage before releasing construction funds.
Not automatically — subcontractors usually need their own equipment or inland marine policies. RMIA helps coordinate coverage.
Typically for the duration of construction — 3, 6, or 12 months — and can be extended if the project runs longer.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Construction involves enough challenges — insurance shouldn’t be one of them.
Let RMIA secure your Builders Risk Insurance so you can focus on completing your project on schedule and within budget.
