Florida Builders Risk Insurance – Statewide Course of Construction Coverage for Your Projects
Protect your construction investment from groundbreaking to completion against Florida's toughest threats: hurricanes, windstorms, theft, fire, heavy rains, and more.
At Barbee Jackson Insurance affordable Builders Risk Insurance Florida (also called course of construction insurance) for homeowners, general contractors, developers, and subcontractors across the entire state—from Pensacola and Crestview in the Panhandle to Miami, Orlando, Tampa, Jacksonville, and the Keys. As an independent agency, we shop top carriers to match your project needs and budget.
Call (850) 389-2001 for a free, fast quote today—often in minutes, no obligation!
"Barbee Jackson made getting our Florida builders risk insurance quick and easy. Great customer service!" ⭐⭐⭐⭐⭐ – Chris T. Read More Real Google Reviews →
Why Barbee Jackson Insurance?
We have been a leader in writing Builders Risk Insurance in Florida for over 13 years. As an independent insurance agency we work with all the major insurance companies that write Builders Risk Insurance. This means we can find you the write coverage at the best price.
For Example..
Did you know that some insurance companies will not write in certain counties here in Florida. Others won't write your construction project if it is too close to the water.
Take the guess work by calling several insurance companies only to find out they can't insurance your home. One call get's you all the quotes in minutes!
Here is a 90 second video explaining our advantage to save you time and money!
https://www.youtube.com/shorts/SUjgDxNaIHU
What Is Florida Builders Risk Insurance?
Builders Risk Insurance (or course of construction insurance Florida) is specialized property coverage that safeguards buildings, materials, equipment, and fixtures during construction, renovation, or remodeling—from start until the project is complete and occupied (or a Certificate of Occupancy issued).
Unlike standard property policies, it covers the evolving project value as work progresses. In Florida's high-risk environment—hurricanes, named storms, lightning, heavy rains, theft of copper/lumber, and vandalism—this is essential for residential remodels, custom homes, commercial developments, or infrastructure builds.
We customize policies to include the full insured value (total construction cost), on-site materials, temporary structures (scaffolding, forms), and debris removal after a loss.
"They explained exactly what builders risk insurance covers in Florida—super helpful for our first big project." ⭐⭐⭐⭐⭐ – Amanda R. Read More Real Google Reviews →
Key Coverages in Florida Builders Risk Insurance
A solid policy protects against common and Florida-specific perils:
- Core Perils — Fire, lightning, explosion, windstorm/hurricane damage, hail, collapse, vehicle impact.
- Theft & Vandalism — Materials/equipment stolen from site or in transit.
- Debris Removal — Cleanup costs after a covered loss.
- Temporary Structures — Scaffolding, fencing, forms.
- Optional Endorsements — Soft costs (delays from covered perils, e.g., interest, permits), flood (often separate via NFIP or private), equipment breakdown, ordinance/law (code upgrades), named storm deductibles, or inland marine for tools.
Exclusions typically include faulty workmanship, defective materials, negligence, or worker injuries (pair with workers' comp/liability). Wind/hurricane coverage is standard in many policies, but coastal/high-risk zones may have higher deductibles or separate windstorm endorsements.
"Honest and transparent about costs. Got us a great rate on our $750k build!" ⭐⭐⭐⭐⭐ – Mark S. Read More Real Google Reviews →
Florida-Specific Risks & Why Coverage Is Critical Statewide
Florida's climate and market amplify dangers:
- Hurricanes & Named Storms — High winds, rain, and storm surge damage framing, roofing, or stored materials (especially coastal South Florida/Gulf).
- Heavy Rains & Flooding — Water intrusion in open structures; flood often requires separate endorsement.
- Theft & Material Shortages — Rising costs make copper, lumber, appliances prime targets.
- Lightning & Hail — Frequent strikes in central/northern areas.
- Project Delays — Weather extensions needed; soft costs add up fast.
Lenders often require builders risk insurance (with them as loss payee/mortgagee) before closing loans. Many contracts mandate minimum limits (e.g., full project value). Without it, one storm could halt your build or cause massive out-of-pocket losses.
"Barbee Jackson handled our policy extension smoothly when weather delayed our build. Highly recommend!" ⭐⭐⭐⭐⭐ – Jennifer L. Read More Real Google Reviews →
Let's set the record straight...Builders Risk Insurance Cost in Florida?
There is a lot of misinformation on the cost of builders risk insurance. A google search on How much is builders risk insurance in Florida? produced this result...
This is wrong. A typical cost is between 0.3%–1%+ of total project value (e.g., $0.40 per $100 insured).
Premiums typically run , but vary by:
- Location (higher in coastal hurricane zones vs. inland Panhandle/central).
- Project type/duration (residential vs. commercial; longer builds cost more).
- Deductibles (higher = lower premium; hurricane/named storm deductibles often 2–10%).
- Claims history/safety record.
Examples:
- $300,000 project → ~$1,200–$3,000+ annually.
- $500,000 project → ~$2,000–$5,000+.
- $1,000,000+ commercial build → $4,000–$10,000+ (higher in high-risk areas).
Here is our President Krystal Jackson explaining some myths on the cost and what is covered in this 90 second short video.
"They guided us on adding the right liability protection alongside our builders risk policy. Felt fully covered!" ⭐⭐⭐⭐⭐ – Paul G. Read More Real Google Reviews →
Who Needs Florida Builders Risk Insurance?
- Property owners/homeowners (renovations/remodels).
- General contractors/subcontractors.
- Developers, investors, house flippers.
- Lenders (frequently required for financing).
Coverage starts at groundbreaking (or policy inception) and ends at completion/occupancy—extensions available for delays.
"Best insurance experience we've had. Knowledgeable, friendly, and got us covered fast." ⭐⭐⭐⭐⭐ – Steve B. Read More Real Google Reviews →
Does Builders Risk Cover Liability? + FAQs
No—it's property-focused only. For site injuries (slip-and-falls), third-party damage, or worker claims, add general liability and workers' comp.
FAQs:
- What does it cost? ~0.3% of project value, higher in coastal/hurricane areas.
- Does it cover hurricanes? Wind yes; flood often needs separate endorsement.
- Is it required? Not always by law, but lenders/contracts often mandate it.
- Who buys it? Owner or general contractor (per contract).
- What about deductibles? Vary; higher ones lower premiums—discuss options.
Call (850) 389-2001 for answers tailored to your Florida project!
Protect Your Florida Construction Project Today
Don't risk delays, storms, or theft derailing your build. Whether residential in Orlando, commercial in Tampa, or coastal in Miami, we provide the Florida builders risk insurance you need.
Call (850) 389-2001 now for a free quote—let's secure your project statewide! Protect your investment—focus on building, we'll handle the risks.