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Massachusetts Builder’s Risk Insurance

Protection for Your Construction Projects from the Ground Up

Construction and renovation projects in Massachusetts come with significant investments—and just as many risks. Builder’s Risk Insurance helps protect your job site, materials, equipment, and labor from damage or loss while a structure is under construction.

At Segreve & Hall, we work with developers, general contractors, and business owners across the state to provide reliable coverage tailored to Massachusetts projects—from single-family home builds to commercial renovations and large-scale developments.

Get a Massachusetts Builders Risk Quote

Coverage Designed for Active Construction Sites

Builder’s Risk Insurance is a specialized form of property insurance that covers structures and materials during the course of construction. Unlike standard commercial property policies, it’s built to address the unique risks that come with building, remodeling, or renovating.

Coverage typically includes:

  • Buildings Under ConstructionCovers damage to the physical structure as it’s being built.

  • Construction Materials and EquipmentIncludes materials on-site, in storage, or in transit.

  • Temporary StructuresProtection for scaffolding, fencing, and site signage.

  • Weather-Related DamageCoverage for wind, lightning, hail, and similar events.

  • Theft and VandalismProtection against stolen tools, copper, or site damage from unauthorized access.

Meeting Local Permit and Lender Requirements

In Massachusetts, many local municipalities and lenders require Builder’s Risk Insurance as part of the permitting and financing process. Whether you’re building in Cambridge, expanding in Andover, or remodeling in Worcester, having a proper policy in place keeps your project compliant and protected from costly setbacks.

Why Massachusetts Builders Choose Segreve & Hall

For over 30 years, Segreve & Hall has been a trusted partner to construction professionals across the Commonwealth. Our team understands the permitting process, local risk exposures, and how to properly structure a builder’s risk policy that aligns with your contracts and timelines.

We offer:

  • Local experienceWe’re familiar with Massachusetts codes, weather patterns, and compliance requirements.

  • Flexible policy termsCoverage that matches your project duration and extensions if timelines shift.

  • Top-tier carriersAccess to competitive builder’s risk products from industry-leading insurers.

  • Fast turnaroundWe move quickly to issue certificates and bind coverage, so your project isn’t delayed.

Get A Quote Today!

Explore Our Massachusetts Commercial Insurance Solutions

From Our Clients

Steve ParentSteve Parent
09:17 31 May 25
Our agent Geoffrey paid attention to our needs and got us what we wanted and looked at diferante option to get us the best rate possible
Michael MannionMichael Mannion
18:08 16 May 25
Recently switched over my auto insurance. My agent, Fionbarra Collins, saved me a lot of money from what I was previously paying. Highly recommend giving them a shot!
DerikDerik
16:03 14 May 25
These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !
Murilo VidalMurilo Vidal
17:01 13 May 25
I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.
Taylor AugelloTaylor Augello
22:32 07 May 25
They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall
Kevin HamKevin Ham
12:52 07 May 25
Thomas and Sean are awesome they have been instrumental in the success of my business!
Curtis Perry JrCurtis Perry Jr
18:39 06 May 25
Awesome people easy to work with Tom awesome at his job
Ryan CoganRyan Cogan
14:02 05 May 25
Brian was great with talking me through my first homeowners policy. He found us a great rate and executed a seamless closing with our mortgage broker. Will be looking into more policies with Segreve... & Hall in the future.read more
Andrew FonziAndrew Fonzi
00:43 02 May 25
I recently switched over all my insurance with Segreve, both personal and corporate. They have been nothing but amazing! Whenever I need something I get a response within minutes and requested... documents within 30 minutes or at the latest same day. I have worked with other agencies in the past and they are hands down the best! The whole team and family are very friendly, hard working, great attention to detail and professional. I would highly recommend to anyone!read more
Nick EisenhauerNick Eisenhauer
17:18 22 Apr 25
1 year review. I'm a high maintenance situation because I have 5 vehicles, 5 trailers, commercial plates, residential plates, snowmobiles, and General liability insurance for my business. All 1 stop... shopping from Seagrave & Hall Insurance. Switching company's and policy's was easy. Their communication is great and they even saved me money with an end result of better coverage!!! When I buy a house I will be using them for that also.read more
JimitJimit
17:12 10 Apr 25
They are great, I have been using their services since past 4 years and they are always willing to help. Super professional, knowledgeable and gets you the best prices.
Lindsey MossLindsey Moss
17:34 09 Apr 25
Just got my own insurance for the first time here. Super friendly on the phone and quick response after I requested a quote (less than an hour). Paulo helped me out and got me 3 different discounts... for my rate!! He even followed up afterwards to make sure I had no questions and was able to get everything figured out on my end. Overall just really nice people and really easy process 🙂read more
Ryan CromartyRyan Cromarty
15:45 06 Apr 25
Everyone at Segreve and Hall were great to work with! Super fast to respond and demonstrated expertise of Massachusetts real estate law. 10/10 Would recommend!
Abanoub TefalAbanoub Tefal
05:27 05 Apr 25
Segreve & Hall insurance has the best service I have ever seen. My agent Michael Brandolini helped me and my family with the auto insurance and he was very patient with all my questions. Auto... insurance was a big deal for me until I spoke to Michael.read more
jessa martinosjessa martinos
12:40 04 Apr 25
I wanted to express my gratitude to Wanda Morales, for your assistance in switching my auto insurance to Segreve and Hall. You were instrumental in finding me a great agent who helped me get coverage... for my new car.The entire process was remarkably easy, and the prices I received through Segreve and Hall beat all the other quotes I found on my own. Thank you again Wanda.read more
Sarah TavitianSarah Tavitian
20:00 03 Apr 25
Just bought my first home and needed a policy on the fly. Geoff made the experience less stressful by being readily available when I had an update or needed paperwork for my bank. He is enthusiastic... for his clients' accomplishments and supportive of what their needs are. I would recommend Geoff to anyone in need of an insurance policy because he is patient, thorough, and gets the job done right!read more
John CJohn C
14:36 05 Mar 25
I can’t say enough good things about Segreve & Hall. I recently worked with Thomas, and he went above and beyond to help me find great coverage at a much lower rate. Thanks to Thomas, I saved more... than $800 on my car insurance in less than a hour. The process was smooth, transparent, and completely stress-free. It’s clear that this is a family-owned business that truly cares about its clients. Highly recommend.read more
Brayan AguilarBrayan Aguilar
00:07 02 Feb 25
Thank you for your good prices and Cervice
Kanarith VanKanarith Van
20:12 28 Jan 25
I had an excellent experience working with Thomas as my insurance agent. From the moment I reached out, he was super responsive and made sure to address all of my questions and concerns in a timely... manner. He went above and beyond to explain my options and help me find the best coverage for my needs. It’s rare to find someone who is not only knowledgeable but also genuinely helpful. I highly recommend Thomas for anyone in need of an insurance agent who truly cares about providing top-notch service!read more
Richard ChurchillRichard Churchill
11:17 26 Jan 25
Paulo was very helpful in maintaining my insurance needs, He has always taken the time to explain my options and find the best coverage and price possible. Segreve & Hall insurance is the best
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Frequently asked questions

Who should be listed as the insured on a Builder’s Risk policy?

Typically, the property owner or developer is the named insured, but contractors or lenders can also be included. We help structure your policy to match project ownership and contract requirements.

Does Builder’s Risk Insurance cover subcontractors?

No. Subcontractors should carry their own liability and equipment coverage. Builder’s Risk covers the project structure and materials but not liability for subcontractor mistakes or injuries.

What happens if the project takes longer than expected?

Builder’s Risk policies can often be extended with approval from the carrier. It’s important to notify us in advance if your project timeline changes so we can adjust the policy accordingly.

Massachusetts State House with legal reference, symbolizing state regulations for insurance requirements
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