Builders Risk Insurance in Florida & New York: 2026 Guide for Developers, GCs & Owners

Most builders risk policies are placed by generalist brokers who don't fully understand the exposure — and the gaps don't show up until a loss. Between Florida's named-storm deductibles, coastal flood exclusions, New York's Scaffold Law, and the growing complexity of NYC office-to-residential conversions, a cookie-cutter policy isn't enough. Here's what developers, general contractors, and property owners in Florida and New York actually need to know before their next build.