In the years in which I had purchased general and professional errors and omissions liability insurance through KHT Insurance, I received nothing less than 1st class service from their organization.
John Shanahan
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Builders risk
Coverage for a project while it's under construction
A building under construction isn't covered by a standard property policy. Builders risk protects the structure, materials, and equipment during the course of construction — through completion — and we structure it to the project and the parties involved.
WHAT BUILDERS RISK COVERS
The window between groundbreaking and completion.
Builders risk insurance — also called course-of-construction coverage — protects a structure while it's being built or renovated, along with the materials, fixtures, and equipment intended to become part of it. It fills a specific and important gap: a standard commercial property policy covers finished buildings, not the vulnerable period when a project is partially complete, materials are on site, and the structure is exposed.
During construction, a fire, storm, theft, or vandalism can destroy not just materials but weeks or months of progress. Builders risk responds to that physical loss, and can be extended to cover the soft costs a delay creates — additional interest, extended permits, and lost income when completion is pushed back. The policy runs through the course of construction and ends when the project is complete and occupied.
Who buys the policy, whose interests it names, what soft costs it includes, and how long it runs all depend on how the project is structured and what the contract requires. Aligning the builders risk policy with the construction contract and every interested party — owner, contractor, lender — is where an agent experienced in construction earns their place on the project.
Structure under construction
The building itself during the course of construction or renovation.
Materials & equipment
Materials on site, in transit, or in storage awaiting installation.
Soft costs & delay
Added interest, fees, and lost income when a covered loss delays completion.
WHO IT's FOR
Parties to a construction project.
Builders risk is essential to anyone with a financial stake in a project under construction — and it's frequently required by lenders and construction contracts.
● Custom & spec home builders
● Commercial construction projects
● Renovation & remodel projects
● Lenders requiring coverage
Why place it through KHT
Specific things we do that most agencies don't.
Early renewal quotes
We quote your renewal well ahead of expiration — giving you time to review and compare, not a take-it-or-leave-it the day before.
Multiple insurance companies, lowest qualified quote
We shop across markets and recommend the best-fit, best-priced option.
Owners on your account
An established, owner-led team. When you call, you speak directly with the people responsible for protecting your business.
Getting a Quote
Straightforward from here.
1
Tell us about your business
Start a quote request or call. We’ll confirm exactly what your business needs.
2
We shop your coverage
We quote it with multiple insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation with the lowest possible price, explained in plain terms.
Insurance you don't have to think about.
Very responsive agency. They have great staff and are willing to help find the best policy out there for home, auto, commercial, flood - anything you need. We've worked with them for years and can't say anything negative about their service.
Turning Point Counseling
You can buy insurance anywhere, but what sets KHT apart from the rest is service, and they are the best. The best compliment you can pay is when you are asked 'who do you have your insurance with' say KHT!
Buddie Hrabal
You will not be playing phone tag with their answering machine. KHT is always there to answer questions and to find the best deals for us.
Stan Mullin
Price is right, efficient and good to deal with.
Michael Robinson
Excellent customer service and knowledgeable agents.
Dianne Young
Great and timely service from the KHT team.
Ben Ginnetti
Been with KHT since 1998 for my insurance. Absolutely the best!
Tommy Anderson
KHT provides wonderful service! I highly recommend them for your insurance needs.
Carmen Nelon
common questions
The questions we hear the most
Standard property policies are written for completed, occupied buildings and generally exclude structures under construction. Builders risk is the coverage designed for that in-progress period.
Either can, and the construction contract usually specifies. What matters is that the policy names every interested party — owner, contractor, and often the lender — so all are protected. We structure it to match the contract.
Typically when construction is complete and the building is occupied or put to its intended use. At that point, a permanent property policy takes over. We coordinate the handoff so there's no gap.
By the project's total completed value, construction type, duration, and location. Start a quote or call with your project details and we'll shop it with multiple insurance companies.
Get your builders risk quote.
Tell us about your business and we'll shop it — or call and talk it through with the people who'll actually handle your account.
Fort Worth, TX
817-336-2721 · 800-814-6470
info@khtinsurance.com
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