--- title: "Does Builders Risk Cover Commissioning?" description: "Commissioning may be covered under a testing extension, but limits, breakdown exclusions, and startup procedures control coverage." canonical: "https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-commissioning" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "builders-risk" question: "does-builders-risk-cover-commissioning" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-commissioning) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Builders Risk Cover Commissioning?" within the Builders Risk FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Builders Risk Cover Commissioning? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Builders Risk FAQ](https://thegeneralaverage.com/insurance-faq/builders-risk) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Builders Risk Cover Completed Work?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-completed-work) — related question - [Does Builders Risk Cover Occupied Buildings?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-occupied-buildings) — related question - [Does Builders Risk Cover Vacant Buildings?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-vacant-buildings) — related question - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) — related question - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) — related coverage guide # Does Builders Risk Cover Commissioning? Commissioning may be covered under a testing extension, but limits, breakdown exclusions, and startup procedures control coverage. Builders risk may cover commissioning under a testing extension, but the cited specimen limits the extension and excludes some mechanical breakdown; confirm whether your startup procedures and equipment are included. A separate sample builders risk form and market applications ask applicants to state commissioning or testing exposures, underscoring that terms vary by insurer. Give the insurer the systems, procedures, schedule, and whether testing is hot or cold. Check if commissioning is included in the testing definition, any waiting or time limit, and when coverage stops at acceptance or occupancy. A broad construction limit does not itself answer whether startup damage is covered. If an installed system is being tested after the construction policy ends, the building owner’s equipment breakdown coverage may be relevant, but confirm the transition date first. Describe each commissioning stage and the equipment under load. Ask the insurer whether its definition includes commissioning, hot testing, and startup, and whether additional premium, notice, or a separate limit applies. ## More Questions About Builders Risk Insurance - [Does Builders Risk Cover Completed Work?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-completed-work) - [Does Builders Risk Cover Occupied Buildings?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-occupied-buildings) - [Does Builders Risk Cover Vacant Buildings?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-vacant-buildings) - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) ## Coverage Guides Related to Builders Risk Insurance - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) ## Sources for This Answer 1. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25. 2. [Insurance Clauses – Builders Risk](https://www.oregon.gov/das/risk/pages/insclausesbldrsrisk.aspx). Oregon Department of Administrative Services; Builders Risk: Clause, When do they apply?, Notes, Additional Information; Builders Risk Installation Floater. Accessed 2026-09-25. 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