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:::Builder's Risk


Residential and Commercial

Course of Construction Coverage

Project Types | Construction Types
 
Eligible Projects

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Project

New

Construction

Addition to

Existing Structure

Cosmetic

Renovation

Structural

 Renovation


Apartments, Townhouses, Condos
Frame $5,000,000 $5,000,000 $5,000,000 Ineligible
Joisted Masonry $5,000,000 $5,000,000 $5,000,000 Ineligible

Fire Resistive

Masonry Non-Combustible

Metal Non-Combustible

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

Ineligible

Ineligible

Ineligible


Residential Dwelling
Frame $5,000,000 $5,000,000 $5,000,000 Ineligible
Joisted Masonry

Fire Resistive

Masonry Non-Combustible

Metal Non-Combustible

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

Ineligible

Ineligible

Ineligible

Ineligible


Strip Malls, Shopping Malls, Commercial Office Buildings

Warehouses, Utility (Commercial Towers, Power Plants, Water Plants)

Frame $5,000,000 $5,000,000 $5,000,000 Ineligible
Joisted Masonry $5,000,000 $5,000,000 $5,000,000 Ineligible

Fire Resistive

Masonry Non-Combustible

Metal Non-Combustible

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

$25,000,000

Ineligible

Ineligible

Ineligible


Bridges, Overpasses, Tunnels

All construction types ineligible

  
Project Types

Top  


Structural Renovations are projects that involve:

  • Alteration and/or removal of any structural and/or load bearing walls

  • Construction of additional floors

  • Alteration, movement or addition of a stairwell or elevator shaft

  • Addition to the existing structure

Cosmetic Renovations are projects that involve:

  • Updating of electrical work or plumbing

  • Updating of carpeting

  • Replacement of windows and other non-structural aspects of a building

  • Removal, movement or addition of interior walls that are non-structural (such as an office "fit out")

Construction Types

Top  


Frame
Buildings where the exterior walls are wood or other combustible materials including construction where combustible materials are combined with other materials such as brick veneer, stone veneer, wood iron-clad, stucco on wood.
 
Joisted Masonry
Buildings where the exterior walls are constructed of masonry materials such as adobe, brick, concrete gypsum block, hollow concrete block, stone, tile or similar materials and where the floors and roof are combustible.
 
Fire Resistive
Buildings where the exterior walls and floors and roof are constructed of masonry or Fire Resistive materials having a fire resistance rating of not less than two hours.
 
Masonry Non-Combustible
Buildings where the exterior walls are constructed of masonry materials as such as adobe, brick, concrete gypsum block, hollow concrete block, stone, tile or similar materials, with the floors and roof of metal or other non-combustible materials.
 
Metal Non-Combustible
Buildings where the exterior walls and the floors and roof are constructed of, and supported by metal, asbestos, gypsum or other non-combustible materials.

 

 

Disclaimers

Coverages referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by State. Coverages and services described in this website are generally stated for the purpose of promotion. The material does not modify or amend the terms, conditions, or coverages of any policy. Please ask your Supple-Merrill & Driscoll, Inc. representative to explain coverage details, exclusions, limits or other provisions of any insurance policy.

 

 
  

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