Insurance for Construction Contractors

During construction, many risks can put your operations to a halt. Protect your construction business from potential liabilities with Construction Liability Insurance.

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Zensurance - Construction Contractor

What is Construction Liability Insurance?

Construction Liability Insurance is an insurance policy specially designed for construction contractors to protect them against specific risks they may encounter, such as third-party injuries and property damage.

Mistakes can happen, and potential lawsuits against your business can leave your operations damaged beyond repair. We know what makes your business unique; leave it to us to find the best coverage for you.

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What does it cover?

As a construction contractor, your project could range from building a townhome to repairing a major highway. It is essential to have insurance coverage specifically designed for the risks you encounter and the equipment you own.

A comprehensive Construction Liability Insurance package will typically include the following:


Who needs Construction Liability Insurance?

Whether you offer commercial, industrial, or residential construction, there may be risks of third-party injuries and property damage resulting from work-related accidents.

Construction Liability Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:


How much does it cost?

The cost of insurance for a small-to-medium construction company typically starts at around $540 for a General Liability Insurance policy with a $2M limit.

There are several factors considered when determining a price for your insurance policy package, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.

Common claims scenarios

Building collapse

Problem: During the construction of a commercial office building, one of your subcontractors mishandled a support beam, which collapsed a portion of the building structure onto the neighbouring property.

Outcome: Your Commercial Liability Insurance would cover the cost to repair the $250,000 worth of third-party property damages.

Power tool in the sun

Problem: Somebody left an over-used cordless power tool in the sun, caused a fire on site, destroying all of the wood materials required for the residential construction project.

Outcome: The cost to replace your damaged equipment amounted to $100,000, which was covered by your Tools and Equipment Insurance policy.

Sewer Cover

Problem: While constructing a new underground road cross, you accidentally dug through a sewage line, causing a massive spill onto the site.

Outcome: Your Pollution Liability Insurance policy would cover the $300,000 cost to clean-up the spill and repair the sewage line.

Getting insured is quick and easy!

Complete our 5-minute online application form for a free insurance quote.

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Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.

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