Builders Risk Insurance can be defined as coverage that protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause. The term “builder” is misleading because insureds can include not only the contractor(s) performing the work, but the ultimate owner, lending institution and others
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. Suppliers of materials, although having an insurable interest in the property being used in the construction, are not normally candidates for builder’s risk insurance.
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