Kentucky Builders Risk Insurance

Embark on Your Construction Project with Confidence

Building or renovating in Kentucky presents unique challenges and risks. Securing the right builders risk insurance isn't just a precaution—it's essential. With Kentucky's varied climate and the unpredictable nature of construction projects, having comprehensive insurance coverage ensures your peace of mind and financial protection.

What is Builders Risk Insurance?

Builders risk insurance in Kentucky provides vital coverage during the construction phase, protecting your investment against unforeseen events like fire, theft, vandalism, and natural disasters. This insurance safeguards materials, equipment on-site and in transit, and covers delays, loss of use, and necessary permits. Unlike standard home insurance, builders risk insurance is specifically tailored for the construction phase, offering unique coverage essential for any construction project.

Comprehensive Coverage for Every Project

Whether you're undertaking a small-scale home renovation or a large commercial development, our builders risk insurance policies are designed to meet your specific needs. We cover a wide range of projects, ensuring that your investment is protected at every stage. Our policies offer flexibility in settlement options, including Actual Cash Value, which considers depreciation in the event of a claim.

Streamlined Process for Your Convenience

Getting started with builders risk insurance is simple and efficient. We require essential details about your project to create a customized insurance solution. This includes:

  • Project Name and Address
  • Project Type (New or Remodel)
  • Start and Completion Dates
  • Total Project Cost
  • Renovation Value (if applicable)
  • General Contractor Information (Name, License Number, Address)
  • Project Description (Square Footage, Stories, Construction Type, Roof Type, Special Features)

Once we have this information, our team will work diligently to prepare a personalized insurance quote that aligns with your project's scale and requirements.

Frequently Asked Questions


Does Builders Risk Insurance Include Liability Coverage?

Builders Risk Insurance does not include liability insurance. We recommend a separate Premise Liability policy to cover accidents on the job site. Note that workers' compensation policies should cover the contractor's employees.

Is Theft of Building Material Covered?

Yes, our Builders Risk policies are designed to cover theft of building material and property in transit, ensuring your materials are protected at every stage.

How are Claims Settled?

Claims are settled at Actual Cash Value (ACV), which accounts for depreciation, offering a realistic valuation at the time of loss.

Ready to Get Started?

Your construction project deserves the best protection. Contact Barbee Jackson Insurance today to discuss your builders risk insurance needs in Kentucky. Our specialists are ready to provide you with the right coverage at the best rate. Call us at (850) 389-2001 


Want to read more…

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Thousands of builders and property owners choose Barbee Jackson Insurance each year to get the right coverage at the best price. Call today to get started (850) 389-2001


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Deborah Plazencia

Quick response and worked diligently with me for the best priced product.

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Great insurance company to work with for Builders Risk Policy. Made the whole process seamless. Pricing was also better than all the other competitors I got quotes from. I truly enjoyed working with them. Especially Courtney❤❤

John Chamlee

Dana Barbee was a pleasure to work with and was very precise and quick to get everything handled. I would recommend them to everyone for insurance needs. 1st Class company...