Builders Risk Insurance Builders Risk
Insurance
From foundation to final inspection — protect the project, materials, and equipment with builders risk insurance written by KTL's construction specialists.
Builders Risk,
Project by Project
Builders Risk Insurance Builders risk (course-of-construction) insurance covers the project itself — buildings under construction, materials on-site and in transit, and equipment used in the build — from groundbreaking through completion. KTL writes builders risk on residential, commercial, and industrial projects with carriers experienced in your project type and project value, with coverage that closes the gap between contractor coverage and owner property insurance.
- Top-Tier Carriers
Exclusive partnerships with AM Best A-rated insurers Our builders risk insurance services ensure — proven financial strength to pay claims.
- Best Available Pricing
We shop multiple carriers every renewal to keep your premium competitive without sacrificing protection. Learn more about our builders risk insurance offerings.
- Your Personal Specialist
One dedicated relationship — they know your business, your goals, and they answer their phone.
Every Industry Has
Its Own Risk Story
Every builders risk insurance policy we write is shaped to your operation — never templated, never generic. We've spent two decades learning the difference between insurance written for the brochure and insurance written for your business.
- AM Best "A" rated carriers — financial strength to pay claims
- Multi-carrier shopping on every renewal — competitive pricing
- Dedicated specialist who knows your business — relationship-first service
Why Partner
with KTL?
Three principles drive every relationship — same-day responsiveness, best-available pricing, and unwavering personal commitment.
Same-Day Quotes
Get a binding-ready quote in 24 hours or less from AM Best A-rated carriers. No waiting, no runaround — just answers and pricing when you need them.
Get a QuoteRelationship Built to Last
You're not a policy number. Your dedicated specialist knows your business, your risks, and your name — for the long haul.
Get a QuoteShopped Across Carriers
We negotiate across multiple top-rated carriers to land the broadest coverage at the lowest defensible premium — every renewal.
Get a QuoteTrusted Partner Network
Direct relationships with the strongest carriers in the market — meaning faster quotes, better terms, and more responsive claims handling.
Get a QuoteCoverage Built for
Builders Risk Insurance
Every builders risk insurance policy we write is shaped to your operation — never templated, never generic.
General Liability
Premises, ongoing operations, and completed operations coverage for construction trades.
- Tailored limits & deductibles
- AM Best A-rated carriers
- Same-day quote turnaround
Workers' Compensation
Construction-classified workers' comp with experience-mod consulting and OSHA support.
- Tailored limits & deductibles
- AM Best A-rated carriers
- Same-day quote turnaround
Builders Risk
Course-of-construction coverage protecting buildings, materials, and equipment during the build.
- Tailored limits & deductibles
- AM Best A-rated carriers
- Same-day quote turnaround
Across every sector
of business.
From sole operators to multi-state enterprises, our industry specialists know your business class inside and out.
Manufacturing
Specialized programs for the industry class.
Restaurants
Specialized programs for the industry class.
Contractors
Specialized programs for the industry class.
Retail
Specialized programs for the industry class.
Consulting
Specialized programs for the industry class.
Law Firms
Specialized programs for the industry class.
Engineering
Specialized programs for the industry class.
Medical
Specialized programs for the industry class.
Real Estate
Specialized programs for the industry class.
Trucking
Specialized programs for the industry class.
E-Commerce
Specialized programs for the industry class.
Repair Shops
Specialized programs for the industry class.
How to Secure
Builders Risk Insurance
A refined, transparent process. Five steps. One dedicated specialist who handles every detail.
Share Your Business
Tell your dedicated KTL specialist about your operation — what you do, revenue, payroll, locations, claim history, and any concerns. 15 minutes by phone, online, or in person.
We Shop the Market
Your specialist submits your risk to 4-7 AM Best A-rated carriers, negotiating terms, limits, deductibles, and pricing tailored to your operation.
Review Tailored Options
You'll receive a side-by-side comparison of 2-3 top quotes — coverage details, limits, exclusions, and total premium clearly laid out for easy decision-making.
Choose & Customize
Select the program that fits. Add endorsements, adjust limits, choose deductibles — your specialist tunes the policy to match your exact needs and budget.
Activate Coverage
Sign, pay, and receive certificates within hours. Your Builders Risk Insurance policy is active immediately — and your specialist remains your single point of contact for the policy life cycle.
Built on trust.
Earned every day.
Over two decades, businesses across nine states have trusted KTL with their insurance programs. Many of our client relationships span generations — the truest test of integrity, knowledge, and service consistently delivered.
Licensed Across
Nine States
Headquartered in San Diego, with licensed representation reaching coast to coast.
Complete
Protection Suite
Beyond builders risk insurance, we deliver the full spectrum of business insurance — packaged efficiently and priced competitively.
Surety Bonds
Bid, performance, and payment
Pollution Liability
Environmental risk protection
Umbrella Liability
Extended liability limits
Professional Liability
Design-build E&O
Cyber Liability
Project data protection
Subcontractor Default
Sub failure coverage
Business Income
Project revenue replacement
Equipment Coverage
Inland marine for tools
Builders Risk Insurance
Answered
Everything you need to know about builders risk insurance — from a specialist who has written hundreds of programs in the class.
Most builders risk insurance quotes are returned the same business day. Call us at (858) 350-0555 or submit our online quote form — a dedicated KTL specialist will respond within hours with binding-ready options.
KTL has insured over 1,000 businesses across nine states since 2005. We partner exclusively with AM Best A-rated carriers, shop the market on every renewal, and assign a dedicated specialist who knows your business inside and out.
Yes. We exclusively place coverage with insurers rated "A" (Excellent) or better by AM Best. This ensures financial strength to pay claims and provides peace of mind that your coverage will be there when you need it.
Your GL covers your operations, but subs need their own coverage with you named as additional insured. KTL provides COI tracking software free with every construction policy to manage sub compliance automatically.
Owner-Controlled Insurance Programs (OCIP) provide site-specific coverage for all parties on a project. KTL writes both OCIP and Contractor-Controlled (CCIP) wrap-up policies for projects $5M and above.
Find Your Perfect
Coverage
Tell us about your business and we'll connect you with the right specialist. Our intelligent matching pairs your operation with the carrier most likely to deliver the best terms.
Industry, revenue, employee count, current coverage, and any specific concerns.
Your specialist submits your risk to 4-7 AM Best A-rated carriers for competitive quotes.
Compare side-by-side, customize, and activate — all with your dedicated specialist.
Ready to Quote
Builders Risk Insurance?
Same-day quotes. AM Best A-rated carriers. A dedicated specialist who answers their phone. Start your free builders risk insurance quote now.
Toll-Free: (800) 507-1243 · Email: [email protected]