Builders Risk Program

Eligible Projects

Project New
Construction
Addition to
Existing Structure
Cosmetic
Renovation
Structural
Renovation
Apartments, Townhouses, Condos
Frame Ineligible
Joisted Masonry 5,000,000 5,000,000 5,000,000 Ineligible
25,000,000 25,000,000 25,000,000 Ineligible
Residential Dwelling
Frame 1,000,000 1,000,000 Ineligible Ineligible
1,000,000 1,000,000 1,000,000 Ineligible
Strip Malls, Shopping Malls, Commercial Office Buildings
Warehouses, Utility (Commercial Towers, Power Plants, Water Plants)
Frame 1,000,000 1,000,000 Ineligible Ineligible
Joisted Masonry 5,000,000 5,000,000 5,000,000 Ineligible
25,000,000 25,000,000 25,000,000 Ineligible
Bridges, Overpasses, Tunnels
All construction types are ineligible

Project Types

Structural Renovations are projects that involve:

  • Alteration and/or removal of any structural and/or load bearing walls
  • Construction of additional floors
  • Alteration, movement or addition of a stairwell or elevator shaft
  • Addition to the existing structure

Cosmetic Renovations are projects that involve:

  • Updating of electrical work or plumbing
  • Udating of carpeting
  • Replacement of windows and other non-structural aspects of a building.
  • Removal, movement or addition of interior walls that are non-structural (such as an office "fit out")

Construction Types

Frame

Buildings where the exterior walls are wood or other combustible materials including construction where combustible materials are combined with other materials such as brick veneer, stone veneer, wood iron-clad, stucco on wood.

Joisted Masonry

Buildings where the exterior walls are constructed of masonry materials such as adobe, brick, concrete gypsum block, hollow concrete block, stone, tile or similar materials and where the floors and roof are combustible.

Fire Resistive

Buildings where the exterior walls and fllors and roof are constructed of masonry or Fire Resistive materials having a fire resistance rating of not less than two hours.

Masonry Non-Combustible

Buildings where the exterior walls are constructed of masonry materials as such as adobe, brick, concrete gypsum block, hollow concrete block, stone, tile or similar materials, with the floors and roof of metal or other non-combustible materials.

Metal Non-Combustible

Buildings where the exterior walls and the floors and roof are constructed of, and supported by metal, asbestos, gypsum or other non-combustible materials.

Disclaimers

The content displayed on this website is for informational purposes only and is not an offer for insurance. To apply for insurance, contact your broker.

Coverages referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by State.