Accessing Insurance and Overhead Settings
Log in to your Buildern account.
Navigate to Settings.
Go to Finance.
Open either the Insurance or Overheads tab.
Insurance Settings
The Insurance section contains all insurance types available in your account.
For each insurance, you can configure:
Name – The name of the insurance.
Cost – Set the value as either:
A fixed amount (in your account currency), or
A percentage.
Apply by default in Estimates – Automatically applies the insurance whenever a new estimate is created.
Apply by default in Change Orders – Automatically applies the insurance to new change orders.
Apply Tax – When enabled, tax is calculated on the insurance amount.
Include Cost – When enabled, this insurance is calculated on the Builder Cost before any standard insurance calculations are applied.
Tip: Hover over the information icon to view a description of its functionality.
Adding a New Insurance
To create a new insurance:
Click Add New Option.
Enter the insurance details.
Configure the desired settings.
Click Save.
Understanding Insurance Order
When multiple insurance types are set to Apply by default, the order in which they are listed is important.
Buildern calculates them sequentially:
The first insurance is calculated on the base amount.
The second insurance is calculated on the amount including the first insurance.
The third insurance is calculated on the amount including the first and second insurance, and so on.
Because each insurance builds upon the previous one, changing their order may change the final calculation.
Reordering Insurance
To change the order:
Click and hold the drag handle beside an insurance.
Drag it to the desired position.
Click Save.
The updated order will also be used whenever the insurance is automatically applied to estimates or change orders.
Deactivating Insurance
If you no longer want an insurance to be available without deleting it:
Clear the Active checkbox.
2. Click Save.
Inactive insurance types remain in your settings but can no longer be selected for new transactions.
Deleting Insurance
To permanently remove an insurance:
Go to Settings > Finance > Insurance.
Scroll to the far right of the insurance row.
Click the X icon.
Note: Insurance types that are currently being used cannot be deleted. Before deleting one, remove it from any estimates where it is applied in the Summary section.
Overhead Settings
The Overheads section functions similarly to Insurance and allows you to configure overhead costs that can be applied to estimates and change orders.
For each overhead, you can configure:
Name
Cost (fixed amount or percentage)
Apply by default in Estimates
Apply by default in Change Orders
Active status
Adding a New Overhead
To create a new overhead:
Click Add New Option.
2. Enter the required information.
3. Configure the desired settings.
4. Click Save.
Understanding Overhead Order
Just like insurance, overheads are calculated sequentially.
For example, if you have four overheads:
The first overhead is calculated on the base amount.
The second overhead is calculated on the amount including the first overhead.
The third overhead is calculated on the amount including the first and second overheads.
The fourth overhead is calculated on the amount including all previous overheads.
If the calculation order is important for your workflow, make sure the overheads are arranged in the desired sequence before applying them to estimates.
Reordering Overheads
To change the order:
Drag and drop the overhead using the drag handle.
2. Click Save.
The same order will be used whenever overheads are automatically added to estimates or change orders.
Deactivating an Overhead
To make an overhead unavailable without deleting it:
Clear the Active checkbox.
2. Click Save.
Deleting an Overhead
To delete an overhead:
Go to Settings > Finance > Overheads.
Scroll to the far right of the overhead row.
Click the X icon.
Note: If an overhead is currently being used in existing estimates or transactions, it must first be removed before it can be deleted.
Save Your Changes
After making any changes to your insurance or overhead settings—including creating, editing, reordering, activating, or deactivating options—click Save to apply your updates.