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Builders Risk & Investment Property Insurance in South Carolina

Owning a property for development or investment brings both opportunity and risk. Whether you're holding land for future construction, managing a building under renovation, or leasing commercial real estate, it's important to protect the property from potential damage, liability, or income loss. Builders risk and investment property insurance helps ensure your financial interests are secure while your asset is being improved, occupied, or held for resale.


Hutson-Etherredge Companies offers property coverage for South Carolina developers, investors, and property owners seeking reliable protection for their holdings throughout each stage of ownership.

What Does This Insurance Cover?

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Property damage
Covers buildings and structures from risks such as fire, theft, vandalism, and certain weather-related events.

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Liability coverage
Provides protection if someone is injured on-site or if property damage results in a third-party claim.

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Loss of income
Helps cover rental income lost during a covered event that makes the property uninhabitable or unusable.

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Equipment and material protection
Covers materials, tools, or equipment stored on-site against theft or damage.

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Builder’s risk coverage
Can include protection during active construction or renovation phases, when risks are higher.

Why Your Business Needs Commercial Development and Investment Property Insurance

Protects high-value assets

Development and investment properties often represent significant financial commitments. Insurance helps guard against loss during ownership.

Covers gaps in other policies

Standard homeowners or business policies typically don't apply to investment or undeveloped properties.

Meets lender and contract requirements

Most financial institutions and contracts require insurance coverage to protect both the property and the parties involved.

Frequently Asked Questions

  • Does insurance cover vacant properties?

    Yes. Many development or investment properties are vacant at times, and coverage can be arranged specifically for those risks.



  • Is Builder’s Risk included automatically?

    No. Builder’s risk coverage is available as part of a separate policy or as an addition, depending on the property’s status.




  • What if I’m planning to sell the property soon?

    Short-term policies are available to cover the property during your ownership, even if you plan to list or sell it in the near future.


Get a Quote for Development or Investment Property Insurance

Safeguard your property and long-term plans with dependable insurance coverage through Hutson-Etherredge Companies. We’ll help you assess your risks and find options that fit your investment goals.


Call us at  803-649-5141 or request a free quote online.