5 Key Insurance Providers for Builders in 2025

Choosing the right insurance provider can make a major difference for builders in 2025. Construction projects face higher risks due to rising material costs, tighter regulations, and more frequent claims across the industry. The right insurer helps protect every stage of a build, keeping projects secure and businesses steady even in a changing market.

This article explores five key insurance providers that play an important role in covering builders this year. It explains what sets each apart, how their coverage adapts to different construction needs, and why these options stand out in today’s market. Each section helps identify which policies may fit best for contractors looking to protect their work and assets.

Affordable Contractors Insurance

Affordable Contractors Insurance focuses on helping builders and tradespeople find policies that fit their specific work. The company began operations in 2011 and maintains its main office in Arizona. It is accredited with an A+ rating, which supports its record of dependable service over time.

The agency offers coverage options that include general liability, workers’ compensation, builder’s risk, and professional protection. These plans address the wide range of risks that contractors face on projects large or small. Clients can start policies with partial payments and often receive quotes the same day.

Affordable Contractors Insurance serves all U.S. states through a network of top-rated carriers. Its team concentrates on the construction field, which helps them understand common challenges such as subcontractor agreements and coverage audits. Many customer reviews note quick policy setup and informed guidance from agents.

As a brokerage, it connects clients with carriers that match each business’s needs. This approach keeps pricing flexible and helps contractors secure suitable coverage for their work.

State Farm Builders Risk Insurance

State Farm offers builders risk coverage that protects construction projects from damage or loss during construction or renovation. It helps cover materials, equipment, and structures on-site or in temporary storage. This coverage can apply to both residential and commercial projects.

The policy focuses on physical property coverage, which includes damage from fire, wind, theft, or vandalism. It gives builders and property owners an option to recover financially if a project faces unexpected setbacks. The protection applies only during the building phase and ends once the project is complete.

Policyholders can work with a local agent to tailor coverage to the project’s size, location, and duration. This flexibility makes the policy suitable for small home renovations as well as large developments. Clear terms and accessible service help users understand what their policy includes before construction starts.

Liberty Mutual Builders Risk Policies

Liberty Mutual offers builders risk policies designed to protect construction projects from damage or loss during active work. The company provides flexible coverage structures that adapt to projects of different sizes and timelines, which helps contractors and property owners manage unexpected setbacks.

Its policies cover exposure such as property damage, stolen materials, and weather-related loss. Clients can also customize coverage options to meet unique project needs, making the program practical for both residential and commercial builds.

Liberty Mutual’s approach centers on convenience and flexibility. Dedicated underwriters assist clients in selecting the right coverage mix, so the protection aligns with each stage of construction. This hands-on service helps minimize gaps in coverage and maintain project continuity.

Zurich Builders Risk Insurance

Zurich offers builders risk coverage designed for both commercial and residential construction projects. It has provided construction-focused insurance for more than two decades and continues to adapt to different project sizes and types. The company focuses on protecting materials, equipment, and structures throughout the construction process.

Its policies often cover losses from causes such as fire, theft, vandalism, and certain weather events. Zurich also supports owners and contractors by offering flexible coverage terms that fit the specific needs of each project. This approach helps builders manage financial risk while work is underway.

In addition, Zurich provides specialized options for large and complex projects, sometimes reaching high-value limits. Its experience in the construction market and broad policy range make it a consistent choice for builders who want dependable coverage supported by financial strength and industry knowledge.

AIG Builders Risk Insurance

AIG offers builders risk insurance that helps protect construction projects from unexpected losses during the build. It covers damage to buildings under construction as well as related materials and equipment. The company focuses on serving contractors, property owners, and developers with tailored coverage options.

In 2025, AIG continued to develop flexible policies designed for both small and large projects. Coverage often includes losses caused by fire, theft, vandalism, or certain natural events. The goal is to reduce financial setbacks that could delay completion or increase overall project costs.

AIG works with distribution partners to make its builders risk products accessible across different regions. These partnerships allow the insurer to adjust offerings for various project types and risk levels. As a result, businesses can better protect ongoing construction work and maintain financial stability through each phase of development.

Conclusion

The builders insurance market in 2025 shows steady adjustments as providers balance cost pressures, new risks, and market shifts. Companies now focus more on data-based underwriting and project-specific coverage rather than broad, one-size-fits-all options.

Builders choose insurers that offer fair pricing, clear claim processes, and flexible terms tailored to project scale. This focus allows them to control expenses and maintain progress on both residential and commercial sites.

Each top provider continues to refine service and coverage to match modern construction needs. As conditions change, careful comparison of options helps builders secure dependable protection and stable project outcomes.