Specialized insurance for the construction sector
Construction has a unique risk profile. Whether the risk is to people, projects, or profitability, our construction specialists combine local expertise with national resources to support you through every stage of your project’s life cycle, and helps you get on to the next project easily and seamlessly.
You’ve got options
Laying the groundwork from day one
Construction insurance isn’t a single policy – it’s a set of coverage options you choose based on your business and the types of projects you undertake.
We help you sort through those choices and build the right mix based on your contracts, timelines, and operational needs. You’ll get a clear view of what each coverage is designed to do and how it fits into the bigger picture.
Built for the job
Protecting your construction business at every phase
Construction work brings risks that vary from one project to the next.
We help you plan with insurance and guidance built around how your business operates. By addressing job site safety, contracts, liability, and delays early, our advisors help prevent disruptions and support continuity, compliance, and long‑term growth.
You can focus on building, knowing your business is backed by experienced support.
Contractor insurance
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- Commercial General Liability
- Property and Business Interruption
- Contractors Equipment
- Installation Floater
- Equipment Breakdown
- Contractors Professional Liability
- Pollution and Environmental Liability
- Watercraft and Aviation Liability
- Commercial Automobile and Fleet
Project insurance
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- Course of Construction / Builder’s Risk
- Delay in Start-up
- Wrap-up Liability
- Deductible Buy-Down
- Project-Specific Professional and Pollution Liability
- Blanket and Master Programs
- Owner and Contractor Controlled Insurance Programs
- P3 and Alternative Procurement Model Projects
- Cargo to Construction
Bonds and surety
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- Contract Surety
- Commercial Surety
- Subcontractor Default Insurance
- Warranty
- Depositor’s Guarantee
- Developer Surety
- Lien Bonds
FAQS about construction insurance
Construction insurance provides coverage for financial losses caused by property damage, liability, and unexpected disruptions on the job. Usually, these losses are experienced by the owner or the principal contractor but can also include subcontractors and design professionals as well as other types of consultants, depending on the type of project and form of contract.
Construction insurance is required contractually by all contractors, subcontractors, and builders involved in construction, renovation, or installation work, as well as developers, and project owners of all types.
Most contracts require the contractor to carry at least a minimum amount of Commercial General Liability. Where the contractor is required to insure the project, additional required coverages typically include builder’s’ risk, equipment breakdown coverage, and commercial auto.
Most stipulate Pollution Liability, as well as Aviation or Non-owned Aviation Liability if the project has elements that require it, and Watercraft Liability, also if and where required. CCDC also requires the contractor to evidence Contractors Equipment coverage for any equipment they may own or may be contractually responsible on site. Other coverages may be required depending on the form of contract, and certain minimum limits will be specified for each of these coverages in the contract itself. The contract will also stipulate the minimum or maximum deductible a contractor can accept for any of these coverages, which will vary from contract to contract, and may be different from the contractor's standard deductible. Where limits, coverages, and deductibles vary from what the contractor carries, the contractor will need to engage their broker to adjust their coverage accordingly.
Explore broader business protection
If your needs go beyond construction, we offer a full range of business insurance solutions designed to support your operations, risks, and long‑term goals.
