General contractors are the backbone of Canada’s construction industry—coordinating trades, managing sites, and delivering projects on time. But with this responsibility comes significant insurance risk. One uncovered claim can halt a project or threaten your business.

Key Risks General Contractors Face

Construction sites are high-risk environments, including:

• Bodily injury to workers or the public
• Property damage to structures or neighbouring buildings
• Fire from hot work, temporary heating, or electrical setups
• Theft or vandalism of tools and materials
• Contractual disputes and errors in work

Essential Insurance Coverages

• Commercial General Liability (CGL) – Protects against third-party injury and property damage
• Builder’s Risk (Course of Construction) – Covers the project during construction
• Commercial Auto Insurance – Required for work vehicles
• Contractor’s Equipment Insurance – Protects tools and machinery
• Professional Liability – Covers design errors or advice-related claims

Risk Management Tips

• Verify subcontractor insurance and COIs
• Use written contracts and clear scopes of work
• Maintain strong site safety programs
• Work with a broker who understands construction risks

Final Thought

For Canadian general contractors, insurance isn’t just a requirement—it’s a critical business tool. The right coverage protects your projects, reputation, and future growth. 🇨🇦

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.