A builders risk insurance policy would cover which of the following?

A builders risk insurance policy is specifically designed to cover buildings and structures under construction, and may include various related aspects during the building process. The policy typically covers damage to the building itself while it is being built or renovated, which can include some configurations regarding contractor tools that are stored on-site. However, coverage for injury sustained by a worker is generally included in the contractor's general liability insurance, not builders risk.

The focus on contractor's tools suggests that these items might be covered under a builders risk policy; however, this aspect can vary by specific policy and often requires endorsement. It's important to distinguish between tools and liability, as workers' compensation would cover injuries sustained by workers, which is more appropriately addressed by separate insurance policies designed specifically for that purpose.

Conversely, other options, such as liability from customer complaints, damage to personal property, and payment for subcontractor delays, fall outside the typical protections offered by a builders risk insurance policy. Liability for customer complaints would generally be covered under general liability insurance, while subcontractor delays are typically contractual matters rather than insurance-related issues.

Therefore, builders risk insurance primarily focuses on the construction project itself rather than liability or injuries to workers, making it crucial to understand its specific scope of coverage in relation to contractor