Does Builders Risk Cover Testing?
Sometimes—the cited form has limited jobsite testing coverage, but its cap, equipment definition, and exclusions do not cover every test or startup.
Sometimes. The cited ISO form provides limited coverage for certain testing loss at the jobsite, subject to a cap; it does not cover every test, commissioning stage, or startup.
Give the insurer the written test protocol and schedule before testing begins. Confirm which cold, hot, pressure, commissioning, and startup stages qualify, along with the equipment definition, dollar cap, breakdown and defect exclusions, location restrictions, and testing period.
Coverage Guides Related to Builders Risk Insurance
Sources for This Answer
- 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.
- Insurance Clauses – Builders Risk. Oregon Department of Administrative Services; Builders Risk: Clause, When do they apply?, Notes, Additional Information; Builders Risk Installation Floater. Accessed 2026-09-25.