Construction & Trades

Construction Insurance in Ontario

Coverage for the project, not just the trade.

Construction insurance works at the project level: the structure while it's being built, the liability of everyone on site, and the equipment moving between jobs. It complements the trade-level policies each contractor carries.

Whether you're a builder running your own projects or an owner commissioning one, we structure builder's risk, wrap-up liability, and equipment floaters to match the contract documents.

What the package includes

Installation floater / builder's risk for projects under way
Commercial general liability (CGL) for third-party injury and property damage
Wrap-up liability covering all contractors on a project
Tools and equipment coverage, on site and in transit
Limited pollution liability for job-site contaminants

Good to know

Frequently asked questions

What does builder's risk insurance cover?: It covers the structure and materials during construction — fire, theft, vandalism, and weather damage to the work in progress, including materials on site, in transit, or in temporary storage. It runs from ground-break to completion or occupancy.
How much does construction insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get construction insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

More industries

Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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What the package includes

Installation floater / builder's risk for projects under way

Commercial general liability (CGL) for third-party injury and property damage

Wrap-up liability covering all contractors on a project

Tools and equipment coverage, on site and in transit

Limited pollution liability for job-site contaminants

Frequently asked questions

What does builder's risk insurance cover?

It covers the structure and materials during construction — fire, theft, vandalism, and weather damage to the work in progress, including materials on site, in transit, or in temporary storage. It runs from ground-break to completion or occupancy.

How much does construction insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get construction insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.