How Much Does Builders Risk Insurance Cost? 2026 Rates, Calculator, and What Drives the Premium
Reading Time: 8 minutesKey Takeaways for Construction Project Owners and GCs Typical cost range: 1% to 4% of total project value — a $2M commercial build runs $20,000–$80,000 for the policy term 2026 market conditions: Builders risk rates are softening 5–7% in non-catastrophe zones, per Gallagher and Lockton reports Biggest cost driver: Location and catastrophe exposure — Gulf […]