Find what you need
Want to learn about your insurance? Click on one of the below topics!
Find your Industry
Whether you’re undergoing a quick local project or a substantial public development, the right surety bond will assure that you are not just capable but qualified to do the job right.
Course of Construction
Typical commercial building insurance will not cover a building under construction or substantial renovation. Buildings under construction are subject to more significant risks than occupied buildings. Construction heaters pose fire hazards, and newly constructed walls without doors or windows risk blowing down in wind storms. A Course of Construction policy, aka Builder’s Risk Insurance, will respond to circumstances like this.
Wrap Up Liability
Construction sites are complex and busy environments, with multiple contractors working together towards one common goal. This Liability policy protects the project and all involved, such as subcontractors, owners and consultants. As a general contractor, in the event of a claim that is specific to the project, the wrap-up liability would be the first to respond.
Tools & Equipment
You rely on your tools daily to get your work done. They are the lifeblood of your operations. Unlike typical industries where your most essential business instruments are fixed in one location, yours constantly move with you. With this increased risk, having the right coverage in place is the best tool in your belt.
Errors & Omissions
If your operations include a design-build function, you have a professional risk that your CGL won’t respond. If a project is delayed, a client loses revenue or experiences other financial harm due to a professional error, they may seek financial reciprocation from you. Contractors E&O is designed to respond in these circumstances.
Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.
Critical Illness Insurance
Critical Illness coverage provides a monetary payment if you get knocked off your feet by cancer, stroke, heart attack, etc. In addition to the possibility of a leave of absence from your job, a critical illness can sometimes leave you with recovery costs. When you set up your policy, you choose the amount of coverage you want, as not everyone’s recovery costs and expenses are the same.
Personal Health Plan
Get a customizable health insurance plan that helps replace or fill the gaps in your provincial or workplace benefits. Whether you’re looking for individual or family health insurance that best meets your needs.