Builders Risk Coverage That Moves at Construction Speed
Direct underwriting authority. Same-day quotes. Coverage designed by people who understand that time is money on a job site.
We Speak Construction
Deep Industry Expertise with Strong Carrier Relationships
We know what it's like when every day counts. When the lender is waiting on the insurance certificate. When your crew is ready but you can't start because your insurance agent doesn't understand why your project timeline matters.
That's why we built Groundbreaker differently. We've spent years developing strong relationships with carriers who specialize in construction—and we know exactly how to present your project to get fast answers and competitive rates.
What Construction Expertise Means for You
We know construction—and so do our carrier partners.
Most insurance agents treat builders risk as an afterthought. We've built our business around it. Our strong carrier relationships and deep understanding of construction projects mean we can get you answers fast—without explaining what a draw schedule is or why your project timeline matters.
- ✓ Carriers who actually understand construction timelines
- ✓ Competitive rates through specialized market access
- ✓ Flexible terms designed around how projects really work
- ✓ One point of contact who speaks your language
From Quote to Coverage—Fast
Our process is built around construction timelines, not insurance bureaucracy.
Submit Project Details
Give us the basics: project type, value, location, timeline. We speak construction, so you don't need to translate. Our submission process takes minutes, not hours.
Get Your Quote (Often Same-Day)
Because we have direct underwriting authority, we can price and approve most projects without waiting on anyone else. Simple projects often get same-day quotes.
Coverage to Groundbreaking
We match coverage to your construction schedule. Certificates issued promptly for lenders. Protection from groundbreaking to certificate of occupancy.
Our Commitment to You
Tired of Insurance Slowing Down Your Projects?
"I've got a project ready to break ground, but I'm stuck waiting on insurance. The underwriter wants more documentation. My agent doesn't understand construction timelines. And every day of delay costs me money."
"I'm worried my agent doesn't really understand construction. When I ask about coverage during different phases, I get vague answers. What if something happens and I find out too late that I wasn't covered?"
- → How many times has insurance underwriting held up your project start?
- → Has your agent ever asked you to explain what a draw schedule is?
- → When was the last time you got a builders risk quote the same day you asked for it?
- → What would it mean for your business if insurance moved as fast as you do?
Insurance should support the build, not delay it. Contractors who build on schedule deserve partners who work the same way.
Coverage Built for the Way You Build
Comprehensive protection from groundbreaking to completion.
Builders Risk Coverage
Course of Construction
Property damage during construction—fire, weather, vandalism, theft. Covers the structure as it's built, including materials on site.
Soft Costs Coverage
When a covered loss delays your project—loan interest, additional insurance, permits, architect fees. The expenses most policies miss.
Materials in Transit
Your materials are covered from the moment they leave the supplier until installed. No gap when deliveries are on a truck.
Off-Site Materials
Fabricated items stored at your yard or supplier's warehouse? Covered. No surprises when materials aren't on site yet.
Theft & Vandalism
Construction sites attract thieves. Materials, equipment, fixtures—protected against theft and intentional damage.
Debris Removal
After a covered loss, cleanup costs add up. Coverage for removing debris so you can get back to building.
Project Types We Cover
🏗️ New Construction
- ✓ Ground-up residential
- ✓ Commercial buildings
- ✓ Multi-family developments
- ✓ Mixed-use projects
🔨 Renovation & Remodel
- ✓ Major renovations
- ✓ Tenant improvements
- ✓ Historic restoration
- ✓ Additions and expansions
The Real Cost of Getting Insurance Wrong
Every day of delay on a construction project costs money.
Your insurance partner should be saving you time, not costing it.
What Contractors Say About Working With Us
"I sent them the project details at 9 AM. By 2 PM, I had a quote. By end of day, I had a certificate for my lender. My last agent took two weeks to do what they did in hours. That's the difference direct underwriting makes."
— [Name], General Contractor
[Company], [City, State]
"When we had mid-project scope changes, they adjusted our coverage without drama. No re-underwriting delays, no 'we'll get back to you.' They understand that construction projects evolve—and they move with us."
— [Name], Developer
[Company], [City, State]
"Finally—an insurance team that doesn't make me explain what a draw schedule is. They ask the right questions, understand our timelines, and deliver coverage that actually fits how we build."
— [Name], Renovation Contractor
[Company], [City, State]
Questions Contractors Ask Us
Ready to Experience Same-Day Quoting?
Submit your project details and get a quote from underwriters who actually understand construction.
GET YOUR PROJECT QUOTENot Ready for a Quote Yet?
Download our Contractor's Guide to Builders Risk Coverage. Everything you need to know about protecting your projects—in plain English.
DOWNLOAD FREE GUIDENeed other construction-related coverage?
