California homeowners, contractors, and business owners face mounting hurdles when building or renovating a property, and even when a project gets underway, ensuring you have the right protection in place is critical.

In this episode of Speaking of Insurance, Aaron Bollinger breaks down a vital insurance distinction that catches many property owners and contractors by surprise: the difference between protecting yourself against general liability and protecting the actual physical construction project with builder’s risk insurance (also known as course of construction insurance).

Examining industry data, including recent construction site security and theft reports highlighting weekend break-ins and rising material losses, Aaron explains what builder's risk covers, why traditional general liability policies leave major gaps, and how to avoid costly misunderstandings regarding who should purchase the policy. Plus, he dives into key risk management strategies, material transport concerns, and what you need to know before breaking ground on your next project.

In this episode, we cover:

• Builder’s Risk vs. General Liability: Understanding the crucial differences between protecting against legal liability and insuring the physical structure and materials under construction.
• The "Who Buys It?" Dilemma: How to coordinate between homeowners, general contractors, and developers to ensure everyone with an insurable interest is properly protected before work begins.
• The Rising Threat of Construction Site Theft: Looking at recent data on job site break-ins, stolen materials, and why weekend security is a major exposure point.
• Materials, Tools, and Transit: Distinguishing between building materials, portable tools, and inland marine coverage so you aren't left holding the bag after a loss.
• Practical Steps for Project Owners: Why verifying your policy forms, understanding exclusions, and implementing physical security measures can make or break your project timeline.

At Bollinsure Insurance Services, we believe insurance should be an active part of protecting your financial future; not just a bill you pay once a year.

Hosted by Aaron Bollinger.

Learn more or request an insurance review:

Bollinsure Insurance Services

562-268-9355

quotes@bollinsure.com

California Insurance License #6013787