What Does Builders Risk Insurance from StartupInsurance.ai Cover?

StartupInsurance.ai does not underwrite builders risk coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. ^1,3,4Company-reportedContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not builders-risk-specific placement terms.

The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's builders risk policy. ¹Not publicly disclosedCarrier panel is program-wide rather than broken out by line; the insurer for a builders risk placement is not disclosed on the pages reviewed and varies by placement.

The section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning builders risk as a line it places regularly for hardware-adjacent startups with a construction or build-out project, rather than as a rare add-on. ¹Company-reportedSame homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria.

StartupInsurance.ai lists Builders Risk among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. ¹Company-reportedHomepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe project types, coverage period, or specific policy terms.

The reviewed pages do not publish sample builders risk project-value limits, covered perils, or policy-period terms. ^1,2Not found in reviewed sourcesHomepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.

The physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating builders risk is discussed with a specialist rather than quoted through a self-serve form. ¹Company-reportedHomepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers.

The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Builders Risk is not one of them, so it is not part of that self-serve intake flow. ²Not found in reviewed sourcesInitial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line.