Does Builders Risk Cover Liability?
Usually no—builders risk covers project property, while general liability covers third-party injury or property damage.
Usually no. Builders risk covers project property; commercial general liability typically addresses claims that construction caused bodily injury or damage to someone else’s property.
A builders risk extension does not turn the policy into general liability coverage. Check the construction contract for required liability limits and confirm whether the owner, contractor, and subcontractors each have the required policy and insured status.
Coverage Guides Related to Builders Risk Insurance
Sources for Builders Risk Insurance Answers
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Business Interruption; Commercial General Liability; Contractor Equipment Floaters; Allied Lines. Accessed 2026-09-25.
- Small Business. National Association of Insurance Commissioners; FAQ: What’s general liability insurance?; What does general liability not cover?; What are other types of business liability insurance? Accessed 2026-09-25.
- Builders Risk Coverage Form. 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.