CLICK, QUOTE, COVERED
Protect your Builds and Business in Minutes
BUILDER'S RISK
Protects buildings, structures, and on-site materials during construction or major renovations from unforeseen events before the project is completed.
Structural Warranty
Offers protection against major structural defects that compromise the stability and safety of a new home.
General Liability
Covers builders and contractors if they are legally responsible for bodily injury or property damage that occurs during the construction process.
Contractor Professional Pollution Liability
Protects builders from financial losses and liability related to accidental pollution incidents on job sites, during transport, or at disposal locations.
Builder’s Risk
Builders Risk
Structural Warranty
Structural Warranty
General Liability
General Liability
Contractor Professional Pollution Liability
Contractor Professional Pollution Liability
How it Works
Building a home is complex. Managing insurance shouldn’t be.
Step 1
Choose Your Coverage
Step 2
Get Your Quote in Minutes
Step 3
Review Your Quote
Step 4
Purchase and Start Building
Why Toolbox Insurance?
SIMPLICITY
We make insurance straightforward and hassle-free with intuitive digital tools, minimal data entry, and clear guidance.
SPEED
We provide instant quotes with competitive rates, rapid binding, and proof of insurance in 3 minutes or less, allowing builders to secure protection in minutes and get back to the job site.
TRUST
With over a decade of industry knowledge, we’re trusted by thousands of builders and homeowners who need to make confident decisions.
YOUR TRUSTED PARTNER
Resource Toolkit
Learn more about the ins and outs of how best to get insured.
What Is Builders Risk Insurance?
Builders Risk Insurance, also known as Course of Construction (COC) Insurance, is specifically designed to protect buildings and materials during this high-risk window. It is a form of property insurance, covering the physical structure and materials while a project is under construction or major renovation.
Builders Risk Coverage: Faulty Workmanship vs. Resulting Damage Explained
The distinction between excluded faulty work and covered resulting damage is the single most important concept in construction property insurance. It is also the point at which many insureds unintentionally destroy their own claims through poor documentation, mischaracterization of loss causation, or failure to segregate costs.