Wood-frame construction remains one of Canada’s most common building methods—versatile, cost-efficient, and quick to assemble. But during the course of construction, these projects also rank among the highest-risk builds in the insurance world. Exposed lumber, open structures, and busy job sites create a perfect storm of hazards long before the building is sealed.

Why Frame Construction Is High-Risk

Fire Vulnerability – Fresh lumber ignites easily, and temporary heating or welding heightens the danger.
Weather Exposure – Without a finished envelope, moisture can seep into wood framing, causing mould, warping, and structural compromise.
Theft & Vandalism – Open sites make valuable materials and tools easy targets.
Structural Instability – Before bracing and sheathing are complete, even strong winds can shift or damage the frame.

Course of Construction Insurance: What It Covers

Builder’s risk—often referred to as Course of Construction (COC) insurance—protects the project from day one until completion. Coverage typically includes:

Damage to the structure under construction
Theft of materials on-site
Fire, wind, water, and weather-related losses
Tools, equipment, and temporary structures

This protection is essential for developers, contractors, and property owners across Canada.

Final Thought

Frame construction progresses quickly—but risks can escalate just as fast. With proper Course of Construction insurance, you protect the build, your materials, and your investment from unexpected setbacks.

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.