A Builders’ Risk policy covers construction materials while in transit, on a job site and as they become part of a completed structure. The coverage can be written to cover new construction or renovations to existing structures. Builders’ Risk policies can be endorsed to cover certain “soft costs” such as architect fees, permit fees, interest, and other administrative costs. Coverage ends when the job is complete and the structure can be legally occupied, or at the expiration date of the policy, whichever comes first.
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