Which type of insurance covers the project from frame through completion?

• A. General liability insurance only.
• B. Homeowners policy defaults.
• C. Workers' compensation only.
• D. Builder's risk insurance, typically covering frame-through-completion.

Answer: (D)

Builder's risk insurance is designed to protect the project itself while it is being built, from frame through completion. It covers the physical structure and materials on site against common construction perils like fire, wind, vandalism, theft of materials, and certain weather events. It can also include equipment and temporary works and, depending on the policy, fixtures that will become part of the finished home. The coverage typically ends when the project is completed and a certificate of occupancy is issued or the policy term ends, though extensions are possible if needed for delays. General liability covers third-party injuries or property damage, not the building under construction; a homeowners policy generally doesn’t cover a project that’s still in progress; workers’ compensation covers workers’ injuries but not damage to the construction project itself. That’s why builder's risk insurance is the best fit for frame-through-completion coverage.