Looking for Builders Risk Insurance in West Plains?


Builder’s Risk Insurance, which some refer to as Course of Construction Insurance, is a form of commercial property insurance which covers a building where the building or insured area is presently being constructed or heavily remodeled.


It can cover just the structure, or also the materials on site waiting to be installed or transported to the job site.


The builder’s risk insurance policy will pay for damages up to the coverage limit in the policy. The limit must accurately reflect the total completed value of the structure (all materials and labor costs, but not including land value).

The construction budget is the best source for determining the appropriate limit of insurance.


Builder’s Risk insurance policies can often be purchased in terms of three-months, six-months, or 12-months. If the project is not completed by the end of the initial policy term, it can often be extended, but usually only one time.


How much does a Builder’s Risk Insurance cost?


The builders risk policy will provide coverage for damage done to the insured structure from a wide variety of events.


Damage from the following events will be covered by most policies:


  • Fire

  • Wind (may be limited in coastal areas)

  • Theft

  • Lightning

  • Hail

  • Explosion

  • Vandalism

  • Vehicles/Aircraft


You should read your course of builder’s risk insurance policy to be familiar with its limitations and exclusions. Limited coverage is provided for collapse.


Standard exclusions include:


  • Earthquake

  • Employee theft

  • Water damage

  • Weather damage to property in the open

  • War

  • Government action

  • Contract penalty

  • Voluntary parting

  • Mechanical breakdown


An important exclusion which should be read in its entirety excludes coverage for damage resulting from faulty: design, planning, workmanship and materials. Earthquake and flood coverage may be purchased in some areas.


How to get started on your Builders Risk quote


You can either call our office, or visit our quotes page, and submit some basic information. Either way, we’ll make the process as simple as possible!


Main Office:
606 W. Broadway
West Plains, Missouri 65775
Main: 844-204-5599

Phone: 417-256-2168
Fax: 417-257-0804

Olathe Branch:
15416 S. Darnell Street
Olathe, Kansas 66062
Phone: 913-909-5432

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Springfield Branch:
1320 E. Kingsley, Suite C
Springfield, Missouri 65804
Phone: 417-883-3531    
Fax: 417-883-2211

Farmington Branch:
1209 Maple Street
Farmington, Missouri 63640
Phone: 573-701-9300
Fax: 800-770-6627

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Hours of Operation:

Monday - Friday: 9:00 am- 5:00 pm 



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