Builders Risk Insurance Cost Calculator
Last updated: October 15, 2026
Estimate a builders-risk insurance premium using project value, policy rate, construction duration, project risk, deductible adjustment and endorsements.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated builders-risk premium
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- Prorated base premium: —
- Risk-adjusted premium before discount: —
- Estimated deductible discount: —
- Premium per project month: —
On this page
Quick summary: Estimate a builders-risk insurance premium using project value, policy rate, construction duration, project risk, deductible adjustment and endorsements.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a builders-risk insurance premium using project value, policy rate, construction duration, project risk, deductible adjustment and endorsements.
How to use it
Enter Completed project value ($); Annual premium rate (%); Construction duration (months); Project and location risk factor; Deductible discount (%); Flood, wind, delay and soft-cost endorsements ($); Policy and inspection fees ($). Select Calculate to update the results.
How the calculation works
Project value is multiplied by the annual rate and prorated for construction duration. Project risk, deductible adjustment, endorsements and fees are applied.
Worked example: starting scenario
| Completed project value ($) | 1200000 |
|---|---|
| Annual premium rate (%) | 0.55 |
| Construction duration (months) | 12 |
| Project and location risk factor | 1.15 |
| Deductible discount (%) | 5 |
| Flood, wind, delay and soft-cost endorsements ($) | 2800 |
| Policy and inspection fees ($) | 450 |
| Estimated builders-risk premium | $10,460.50 |
|---|---|
| Prorated base premium | $6,600.00 |
| Risk-adjusted premium before discount | $7,590.00 |
| Estimated deductible discount | $379.50 |
| Premium per project month | $871.71 |
Important limitations
Construction type, occupancy, catastrophe exposure, security, contractor experience, soft costs, delays, testing and policy extensions affect quotes.