Embedded Builders Risk Insurance Overview

Getting builders insurance in place shouldn’t slow down your project. With this option in Ressio, contractors can request and manage Builders Risk coverage directly from Project Settings without jumping between tools. 

Easily quote, review, sign, and activate Builders Risk Insurance right from your project dashboard to stay protected during construction.

Why this matters

• Save time: Key project and account details are prefilled to reduce repetitive data entry.

• Keep work moving: Request coverage from within the same project workspace your team already uses.

• Stay organized: Policy details stay tied to the project so your records are easy to find later.

Table of Contents

1. How to Request a Quote
2. Review & Purchase Coverage
3. Access Your Policy in Ressio
4. What is Covered and NOT Covered
5. How to File a Claim with Vertical Insure (Vicoverage)
6. Vertical Insure Helpful Links
7. Frequently Asked Questions

How to Request a Quote

1. Open your project and go to Project Settings → Insurance.
   
   

2. Click Get a Quote.

3. The form will be prefilled with available project details. Complete any missing information, including:

   • Project location (county)
   • Project category and type (e.g., frame or masonry)
   • Policy start and end dates
   • Construction cost to be insured
   • Builder experience and loss history
   • Insured type (Contractor or Home Builder)

    

      4.    After each section, you will have to hit Next.

      5.    Click Get Quote to view available  coverage

Review & Purchase Coverage

1. Review the quote provided

2. Click to accept coverage
   
   
   

3. Read through the policy documents

4. Sign the required documents

5. Enter payment details
   
   

6. Complete the purchase by clicking Purchase Coverage

7. When you insurance policy has been completed, it will say "Active" in the top right hand corner of your Vertical Insure card. 
   
   
8. Once you have purchased the claim, you will the claim under the Insurance tab and you will receive an email. 

Access Your Policy in Ressio

Once coverage is purchased:

• Return to Project Settings → Insurance
• View your active policy directly within the project

You’ll have access to key details such as:

• Policy information and documents
• Coverage details
• Status of your policy

[back-to-top]

What is Covered and NOT Covered

What's covered: 

• Buildings under construction: direct physical loss or damage to structures while they are being built.
• Materials and supplies: materials that will become a permanent part of the project, whether on site, in transit, or in temporary storage. 
• Temporary structures and scaffolding: protection for scaffolding, construction forms, and temporary fencing at the jobsite.
• Fire, theft, and vandalism: protection against common causes of jobsite loss. 
• Windstorm, hail, and lightning: damage caused by windstorm, hail, or lightning. 
• Debris removal: costs to remove debris from covered property following a covered loss, subject to policy limits. 

What's NOT covered: 

• Flood or earth movement, including earthquakes, landslides, surface water or strom surge, unless specifically endorsed
• Faulty workmanship, design defects, or construction errors
• Wear and tear, rust, corrosion, or deterioration
• Project delays, lost income, soft costs, or cost overruns

[back-to-top]

[back-to-top]

Frequently Asked Questions

[back-to-top]

If you have questions while requesting coverage, contact our support team and include your project name so we can help quickly.