Builder's Risk insurance

[Lucas Farrow]

My lender is requiring 12 mos policy for Builder's Risk Insurance. They are also requiring the GC to complete construction in 6 mos which is plenty of time. However they still require a full year of BRI. Does anyone know of a company  that charges monthly for premiums or a company that refunds once the construction is done? Our normal insurer we typically use requires full upfront payment for the one year with no option to refund if completion is finished in 6 months.

Thanks