Builder's Risk Application

Complete this online and it goes straight to Kevin Brown Insurance Agency for review and quoting. Fields marked * are required — the rest help us quote accurately, so fill in what you can.

1. General Information

Proposed effective date

Applicant name *

Mailing address

City

State

Zip

Email *

County

Business phone

Fax

Physical location of business (if different)

Population within 50 miles

Other locations used (if any)

Other names the business is/has been known by

Contact person

Detailed description of business activities (specifically, and by location) *

Is this a new business?

If no, years in business

Applicant is a

Annual payroll

Total employees

Full-time

Part-time

Any staff position for product liability, loss control, safety, engineering, or consulting?

2. Insurance History

Current insurance carrier (or last, if none now)

Insurers over the last three years

Has the applicant (or any predecessor) ever had a claim?

A five-year loss/claims history is required by the carrier — Kevin will request it from you after review.

Any incident, event, loss, or wrongful act before this policy that might lead to a claim?

Has this risk been attempted in the standard markets?

3. Desired Insurance

Note: coverage for soft costs (lender interest, architect/engineering fees, real estate taxes, permit fees, marketing) is excluded.

Named perils to insure

Occupancy waiver — describe the exposure (if applicable)

Inclusion of existing structure / renovations — describe (if applicable)

Off-site storage of materials — limit

Materials in transit — limit

Off-site storage — describe (materials, duration, security)

Materials in transit — describe (types, distance, owned trucks vs. common carrier)

Testing — limit

Testing — describe what/when/by whom

Limit of liability

Limit at any single location

Limit at a temporary location

Transient limit

Self-Insured Retention (SIR)

Wind deductible

4. Business Activities & Project

Applicant is a *

Single-project coverage (if applicable)

Name of project

Location of project

Proposed occupancy of completed project

Protection class at site

Total Insurable Value (TIV)

New or remodel?

Will balance be vacant?

Number of stories

Foundation construction

First floor walls

Other floor walls

Roof

Construction is primarily (approx. %)

Contract bid date

Est. start date

Est. completion date

Multiple-project coverage — jobs in the next 12 months (if applicable)

Residential

Commercial

Industrial

Multiple-project coverage — job values (if applicable)

Residential

Commercial

Industrial

Security at project site(s)

Financial data

Management

Describe duties of owner(s)

Years under current management

Years of management experience

Trade association memberships

Operating as a lessee or subsidiary of another business?

Anything else Kevin should know?

I confirm the information above is accurate to the best of my knowledge. I understand this is an application for a quote, not a binder of coverage, and that coverage is not in force until confirmed in writing by Kevin Brown Insurance Agency.

Kevin Brown Insurance Agency · Licensed NJ Resident Producer #3003694894 · 732-944-1791

Our 5-step process

How we place builders risk insurance in NJ

Every file follows the same five steps, tailored here to builders risk insurance. Here's where you start and what happens after.

You start here

Intake for your builders risk insurance

Start with the builders risk application on this page: the project, the site and the construction budget.

What we need

Project address and description (new construction, addition, renovation)
Total completed value (hard costs) and any soft costs to insure
Construction type, stories and square footage
Start date and estimated completion date
Who you are on the project (owner, developer, general contractor) and the GC’s details
Lender name and requirements, if financed
For renovations: the existing building’s value, occupancy and condition

Missing something? Start anyway. We'll flag what's left in one checklist at step 2.

Start step 1

2
Personal intake review
Kevin checks the project’s values, schedule and construction type, plus the existing structure on renovations. Those decide which builders risk markets will look at it, and what the lender will accept.
3
Quote
Builders risk goes to markets that write your project type and size, coordinated with the project’s liability and umbrella coverage so nothing falls between policies.
4
Quote review
You compare the policy term, deductibles (including water and wind), soft-cost coverage, and conditions like theft or vacancy restrictions, and confirm it meets your lender’s requirements.
5
Binding + welcome
Signed application and payment arrangements, written binding confirmation before work starts, and evidence of insurance to your lender. Then your documents and instructions for extending the term if the schedule slips.

How our 5-step process works

Licensed NJ Resident Agency

Turned down somewhere else?

Hard-to-place risks, large commercial projects and business-owner life insurance. Kevin reviews every file personally. No call center.

Call 732-944-1791

NJ Producer License #3003694894

South Plainfield, NJ · All 21 Counties