Course of Construction Insurance for Commercial Building Projects

If you have a commercial project that needs insurance Barbee Jackson Insurance is here to help. Our agents have years of experience underwriting commercial projects from new construction to renovation projects. 

What separates us is the attention to detail to design an insurance program that fits your budget while getting you the best price. Our experienced agents have worked on multi-year large scale projects, restorations of factories and small scale strip malls. We work with some of the industry’s largest builders risk insurance companies to compare rates and coverages to make sure you are getting the right coverage the first time. 

If you are a commercial builder looking for residential home construction or renovation please visit - New Construction or Renovation for more help. Call us to get started (850) 389-2001

“Ciarra and Rose are amazing! They make the process of getting coverage for our multiple properties seamless and are always a pleasure to work with! I will continue to do business with Barbee Jackson Insurance in the future and will recommend them to anyone that is looking for insurance.” ⭐⭐⭐⭐⭐Veronica Matteson

Program Highlights - New Construction and Renovations

Commercial projects are more unique than residential homes in the duration of the policy terms, lender timelines and scale. That’s why we work with you to make sure that any coverage gaps are filled prior to binding, ensuring you that in the worst case scenario you have the right coverage.

☑️Building - The primary coverage for both new builds and renovation is coverage for the building. For new builds, this is the total project cost excluding land and site improvements — we're insuring the structure itself. For renovations, you can choose to insure the full building or just the renovation scope. 
☑️Soft Costs - Financial losses when a covered event delays your project
☑️Material Theft - One of the more common claims that has been filed over the past several years due to rise in building material prices especially heating and air units.
☑️Optional Coverage - Windstorm, Flood and Earthquake. Policies can be endorsed to include all of these hazards or you can pick which natural disaster coverage to purchase 
☑️BONUS - Fast COI. During normal business hours we issue all COI requests in 5 minutes

Maria Berrios-Pizarro⭐⭐⭐⭐⭐ “Rose was very attentive from the very beginning. She spent time over the phone with me to ensure everything was correctly done, she answered all my emails in a prompt fashion with details as to not only answer my question but set my mind at ease. But most of all she showed care, which makes a difference. Keep up the great work! May the Lord Jesus Christ bless you!”

The Most overlooked Coverage Option - Soft Costs

Soft costs are the financial losses that pile up when a covered event delays your project — separate from the physical damage to the structure or materials itself. On commercial projects, a delay doesn't just cost you repair time, it costs you real money in carrying costs and lost income. Soft cost coverage can include:

☑️ Additional Interest - Extra interest owed on your construction loan for every month the project runs past schedule
☑️ Lost Rental Income - Income you would have collected from tenants had the building been completed and leased on time
☑️ Real Estate Taxes - Property taxes that continue accruing during the delay
☑️ Additional Advertising & Leasing Costs - Extra marketing spend needed to re-promote the property if completion is delayed past your original leasing timeline
☑️ Loan Fees - Costs to extend or refinance your construction loan if the project runs long
☑️ Architect & Engineering Fees - Additional design or engineering work required because of the delay
☑️ Legal & Accounting Fees - Professional fees tied directly to managing the delay 

Soft cost coverage is typically an optional endorsement, not automatically included in every policy — our agents will evaluate your project's income potential and timeline to determine what level of soft cost protection makes sense for your development.

Who Needs Coverage

Developers, General Contractors, Property Owners and Investors
Lenders will require a Builders Risk policy before any draws are taken

⭐⭐⭐⭐⭐Barbie V “This company is always on top of things and proactive. Love working with them.”

Barbee Jackson Insurance is here to help you with your commercial construction project. We will compare rates and coverage levels with the top insurance companies saving you time and money. Call today for a free, no obligation quote (850) 389-2001