Builders Risk Answer

Can a Subcontractor Be Added to Builders Risk?

Yes — by endorsement. Here’s how to add a subcontractor as an additional insured on a builders risk policy and what it actually protects.

• ✓Subs can be added as additional insureds by endorsement
• ✓Protects their insurable interest in incorporated materials
• ✓Not all carriers allow this — must be confirmed at binding
• ✓We handle additional insured endorsements on all commercial projects

The Direct Answer

Yes. Subcontractors can be named as additional insureds on a builders risk policy by endorsement. This is done when a subcontractor has an insurable interest in materials they supply that will be incorporated into the permanent structure.

For example: a plumbing contractor who supplies $85,000 of fixtures and rough-in materials has a financial stake in those materials until they’re permanently installed and accepted by the GC or owner. Being named as an additional insured on the builders risk policy means a theft or fire loss that destroys those materials produces a claim that can also protect the sub’s interest.

Not all carriers offer this endorsement, and the policy form governs how sub-specific coverage works. We confirm availability of this endorsement for every commercial project where GC clients want to provide it for their subs.

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Adding Subs to Your Builders Risk? We Handle the Endorsement Same Day

All carrier endorsements processed promptly. Call us for commercial project questions.