Project and builder coverage
- Builder’s risk (course of construction): the building and materials while under construction, against fire, theft, vandalism and other insured perils
- Wrap-up liability: a single liability policy for a project that protects the owner, the general contractor and subcontractors
- Commercial general liability for ongoing operations
- Contractor’s equipment: owned, leased or rented equipment
- Commercial auto for your vehicles
- Surety bonds: bid, performance and labour and material payment bonds are arranged separately through surety underwriting
Homeowners renovating
A major renovation can affect your home insurance, especially if you move out or the home is unoccupied. Tell your insurer before work starts. I can review your home policy alongside the builder’s coverage.
What to have ready
- Project type, address, value and timeline
- Your role (owner, general contractor or subcontractor)
- Contract insurance requirements
- Experience, safety program and claims history
Coverage descriptions are general. Your policy wording, limits and exclusions determine what is covered. Availability and premiums vary by insurer and by your circumstances.