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Builder's Risk Insurance

Essential protection for Ontario construction projects. Shield your construction site, materials, and equipment from damage, theft, and weather-related losses with comprehensive builder's risk coverage in Mississauga, Ontario, and across Canada.

What Is Builder's Risk Insurance?

Builder's Risk Insurance protects Ontario construction projects from damage to buildings, materials, and equipment during construction. It covers losses from fire, theft, vandalism, weather events, and other construction-related risks.

Construction Site Protection

Covers damage to buildings under construction, including materials, equipment, and temporary structures on the job site.

Equipment & Materials

Protects construction equipment, tools, and building materials from theft, damage, and weather-related losses.

Who Needs Builder's Risk Insurance?

Any Ontario construction project needs builder's risk protection. The coverage is essential for all parties involved in construction in the GTA.

  • General Contractors
  • Subcontractors
  • Property Developers
  • Home Builders
  • Commercial Builders
  • Renovation Contractors
  • Infrastructure Projects
  • Industrial Construction
  • Property Owners
  • Construction Managers
  • Architects & Engineers
  • All Construction Projects

Key Benefits

Builder's Risk Insurance provides essential protection for your construction project and peace of mind for your future.

Construction Site Protection

Comprehensive coverage for buildings under construction and job site materials.

Fire & Weather Damage

Protection against fire, explosion, and weather-related damage to construction projects.

Theft & Vandalism

Coverage for stolen or vandalized construction materials, equipment, and tools.

Construction Delays

Coverage for additional expenses due to construction delays and interruptions.

What Does Builder's Risk Insurance Cover?

Comprehensive protection against the most common construction risks and their financial consequences.

Fire & Explosion

Coverage for damage caused by fire, explosion, and smoke damage to construction projects.

  • Building damage
  • Material loss
  • Equipment damage
  • Cleanup costs

Weather Events

Protection against damage from wind, hail, lightning, and other weather-related events.

  • Wind damage
  • Hail damage
  • Lightning strikes
  • Storm damage

Theft & Vandalism

Coverage for stolen or vandalized construction materials, equipment, and tools.

  • Material theft
  • Equipment theft
  • Vandalism damage
  • Security costs

Equipment & Tools

Protection for construction equipment, tools, and machinery on the job site.

  • Equipment damage
  • Tool replacement
  • Machinery repair
  • Rental equipment

Building Materials

Coverage for damage to building materials, supplies, and components.

  • Material damage
  • Supply replacement
  • Component loss
  • Storage protection

Construction Delays

Coverage for additional expenses due to construction delays and interruptions.

  • Extended overhead
  • Additional expenses
  • Project delays
  • Contract penalties

Common Construction Risks

Understanding the types of risks builder's risk insurance protects against helps you assess your coverage needs.

Fire & Explosion

Construction sites are vulnerable to fires from welding, electrical work, and flammable materials.

Example: A welding spark ignites nearby materials, causing significant damage to the partially completed structure.

Weather Damage

Construction sites are exposed to weather elements that can damage materials and structures.

Example: High winds damage scaffolding and partially completed walls, causing project delays.

Theft & Vandalism

Construction sites are targets for theft of valuable materials and equipment.

Example: Copper wiring and expensive tools are stolen from the job site overnight.

Equipment Failure

Construction equipment can malfunction or be damaged, causing project delays.

Example: A crane collapses, damaging the building structure and causing significant delays.

Frequently Asked Questions

Common questions about Builder's Risk Insurance coverage.

Builder's Risk Insurance protects construction projects from damage to buildings, materials, and equipment during construction. It covers losses from fire, theft, vandalism, weather events, and other construction-related risks.

Any construction project needs builder's risk protection. This includes general contractors, subcontractors, property developers, home builders, and all parties involved in construction projects.

Builder's risk insurance covers fire and explosion damage, weather events, theft and vandalism, equipment and tools, building materials, and construction delays.

Coverage limits should equal the total completed value of the project, including materials, labor, and overhead. This ensures full protection for your construction investment.

Coverage typically starts when construction begins and ends when the project is completed and occupied, or when the policy expires, whichever comes first.

Get Your Builder's Risk Quote

Start protecting your construction project today. Our team will respond within 2 hours.

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