The article considers the variants of application of BIM technologies to assess and minimize the risks at the stages of design, construction and operation of buildings and structures. Presents a conceptual model showing the relationship of the pyramid of accidents with the model of acceptable risk. The paper describes the application of risk assessment methodology for hazards based on BIM technology on a particular object, resulting in the average safety index. Obtaining a quantitative assessment of the risk situation in the insured object allows insurance companies to predict future actions, and the use of BIM technology will increase the competitive ability of insurance companies and the culture of the construction industry.