Industry Guide
Builder's Risk vs CGL: Two Different Construction Insurance Policies That Cover Different Things
Builder's Risk and Commercial General Liability are distinct construction insurance policies serving different purposes. Builder's Risk covers the project itself during construction — materials, work-in-place, equipment. CGL covers bodily injury and property damage to others caused by the work. Understanding the distinction and the gaps between them prevents coverage surprises when claims arise.
Jordan Patel5 min read