Builders risk insurance is a targeted form of coverage that helps safeguard the value of materials, equipment, and fixtures used during a building or renovation project.

This policy provides financial protection during the course of construction against a range of covered causes, including:

It acts as a critical safeguard—keeping your project protected from physical loss or damage until it’s complete.

With Adamson Insurance, you’ll get a policy tailored to your specific construction or renovation needs, backed by a team that understands the risks and complexities of building in Iowa.

With Adamson Insurance, you’re backed by a team that understands construction risks—and how to insure against them. We tailor each policy to support your build, your budget, and your timeline.

When a property is mid-construction, it’s at its most vulnerable. Incomplete structures lack the physical protections of finished buildings, leaving them open to a range of unexpected setbacks.

From unsecured job sites to unpredictable weather, these projects face risks like:

• Sudden storms damaging partially built frameworks
• Theft of high-value tools and materials left overnight
• Vandalism or accidents before the structure is enclosed

Builders Risk Insurance helps cover the financial fallout from these events—so you can keep building with confidence, even when the unexpected hits.

For broader protection, many builders also consider:

• Construction Insurance – to cover project-wide challenges
• Workers’ Compensation Insurance– to protect your crew on-site

Builders Risk Insurance is designed to cover specific aspects of your construction project. Here’s what a typical policy includes:

Each policy can be customized to match the size and scope of your project—so you’re only paying for the protection you actually need.