Prevention is the best insurance strategy Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies. Municipal permitting and provincial building code compliance can influence insurance terms, as non‑conformity may void coverage in the event of a loss. Hold‑harmless and indemnification clauses in subcontract agreements need to align with your insurance policy's contractual liability provisions. Completed operations liability can remain for years after a project is finished, so limits should account for long‑tail exposures and potential defects.
Overview Insurance is what saves you when something goes wrong. Risk control is what keeps the claim from happening in the first place and keeps your premiums stable. Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies. Municipal permitting and provincial building code compliance can influence insurance terms, as non‑conformity may void coverage in the event of a loss. Hold‑harmless and indemnification clauses in subcontract agreements need to align with your insurance policy's contractual liability provisions. Completed operations liability can remain for years after a project is finished, so limits should account for long‑tail exposures and potential defects.
High impact controls that reduce claims Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies. Municipal permitting and provincial building code compliance can influence insurance terms, as non‑conformity may void coverage in the event of a loss. Hold‑harmless and indemnification clauses in subcontract agreements need to align with your insurance policy's contractual liability provisions. Completed operations liability can remain for years after a project is finished, so limits should account for long‑tail exposures and potential defects.
Crew safety and supervision • Train new workers properly and refresh training regularly • Use checklists for high risk work such as ladder use and elevated work platforms • Document site orientation and daily hazard assessments Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies.
Equipment and maintenance discipline • Inspect tools and machinery before use and remove unsafe items immediately • Keep maintenance logs for critical equipment and fleet units • Confirm lockout and tagout procedures are understood and followed Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies.
Site access and theft prevention • Control entry points and keep a visitor log where appropriate • Use locked storage, lighting, and cameras for after hours protection • Mark equipment and keep serial number records for faster recovery Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies.
Documentation that protects you in disputes • Photo logs that show conditions before, during, and after work • Daily reports that capture weather, delays, and incidents • Subcontractor certificates and scope confirmation kept in one place Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies.
How these controls help insurance terms Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies. Municipal permitting and provincial building code compliance can influence insurance terms, as non‑conformity may void coverage in the event of a loss. Hold‑harmless and indemnification clauses in subcontract agreements need to align with your insurance policy's contractual liability provisions. Completed operations liability can remain for years after a project is finished, so limits should account for long‑tail exposures and potential defects.
Common Losses Underwriters look for proof of discipline. When you can show consistent training, maintenance, and loss prevention, you present as a better risk and you often keep more market options at renewal. Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies. Municipal permitting and provincial building code compliance can influence insurance terms, as non‑conformity may void coverage in the event of a loss. Hold‑harmless and indemnification clauses in subcontract agreements need to align with your insurance policy's contractual liability provisions. Completed operations liability can remain for years after a project is finished, so limits should account for long‑tail exposures and potential defects.
Talk to Boardwalk Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies. Municipal permitting and provincial building code compliance can influence insurance terms, as non‑conformity may void coverage in the event of a loss. Hold‑harmless and indemnification clauses in subcontract agreements need to align with your insurance policy's contractual liability provisions. Completed operations liability can remain for years after a project is finished, so limits should account for long‑tail exposures and potential defects.
Core Coverages If you want a risk review focused on real site practices, we can help you prioritize the controls that matter most and align your coverage to how you actually operate. Canadian construction contracts often stipulate wrap‑up liability coverage and require contractors to coordinate with project‑specific builders risk policies. Municipal permitting and provincial building code compliance can influence insurance terms, as non‑conformity may void coverage in the event of a loss. Hold‑harmless and indemnification clauses in subcontract agreements need to align with your insurance policy's contractual liability provisions. Completed operations liability can remain for years after a project is finished, so limits should account for long‑tail exposures and potential defects.
