Builders Risk
Reliable protection. Trusted service.
Welcome to Builders Risk
Every project you take on is more than a job—it’s a major investment of time, money, and reputation. At First State Insurance Agency, we understand the risks that come with construction, renovation, and development. Whether you’re breaking ground on a new build or making major improvements, we offer reliable Builders Risk coverage—designed to protect your materials, equipment, and structure while it’s under construction.
Project Site Coverage
Protects buildings and structures under construction from damage caused by fire, wind, theft, vandalism, and more.
Materials & Equipment
Covers building materials, tools, and equipment—whether on-site, in transit, or temporarily stored off-site.
Soft Costs & Delays
Optional coverage for financial losses due to project delays—such as additional loan interest, legal fees, or lost rental income.
Coverage Backed by Strength and Stability
Coverage You Can Trust, Every Step of the Build
Your project deserves protection that works as hard as you do. Our Builders Risk insurance helps cover your structure, materials, and equipment against common risks like fire, storm damage, theft, and vandalism—so you can focus on the job without worrying about setbacks. We work with a trusted network of top-tier carriers to deliver flexible, affordable policies tailored to your project’s size, location, and timeline.
Coverage That Fits Your Needs
Grounded in Your Community. Committed to Your Project.
As locals who know the building industry inside and out, we understand the risks that come with construction projects in Minnesota and nearby states. From unpredictable weather to supply delays and site security, every job has its challenges. That’s why we take a hands-on approach—getting to know your project so we can guide you to the right coverage. Whether it’s your first build or one of many, we’re here to provide dependable protection now and for whatever comes next.