Does Builders Risk Cover Landscaping?

The cited sources treat site features and plants differently, so list grading, fencing, paving, lawns, irrigation, and trees in the project value. Oregon’s sample clause lists some permanent site features and fixtures, but the ISO form’s property definitions and exclusions control what the issued contract insures. Separate installed site improvements from land itself, which is not ordinarily insured as building property. Verify whether outdoor property has a sublimit or weather restriction and whether the property is at the described jobsite. If landscaping is included in the construction contract, the landscape contractor’s installation floater may cover plants or hardscape during delivery and installation, subject to its wording. For plants, check whether the builders risk extension covers them; the ISO specimen excludes wind and snow-related causes and caps that extension.