Construction Insurance

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

Join thousands of Construction Contractors that are already protected!

Partnership with over 50 leading Canadian insurance companies

Zen Man protected by Construction Insurance

What is Construction Insurance?

Construction 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 construction business unique; leave it to us to find the best coverage for you.


What does Construction Insurance 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 Insurance package will typically include the following:

  • Commercial General Liability Insurance: covers costs associated with common construction liability risks, such as third-party injuries or property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a construction job site.
  • Builder’s Risk Insurance, also known as Course of Construction Insurance, covers the building, construction materials, and premise liability in the event of physical loss or damage due to an insured event, such as fire, theft, or vandalism.
  • Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.
  • Commercial Property Insurance: covers for physical loss or damage to your property (rented or owned) and its physical contents due to an external disaster, such as a fire, theft, or vandalism

Who needs Construction 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 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 Construction Insurance 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.

Getting insured is quick and easy!

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

Common scenarios where Renovation Insurance is useful

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.

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Ready To Start? Let’s Get a Quote!

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.