Which of the following is NOT covered by a builders risk insurance policy?

A builder's risk insurance policy is designed to provide coverage for buildings under construction and the materials, fixtures, and equipment on the site. However, it does not typically cover general liability claims. General liability insurance is separate and is intended to protect against claims of bodily injury or property damage that can arise during the normal course of business operations.

In this context, injuries to workers are generally covered by workers' compensation insurance, which is required by law, while contractor's tools and damages from natural disasters like storms or fire could be covered by a builder's risk policy.

Therefore, general liability claims are not encompassed within a builder's risk policy, making this answer the correct choice. Understanding the distinction between builder's risk insurance and general liability insurance is crucial for contractors to ensure they have appropriate coverage for various risks associated with construction projects.