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Construction Insurance
Protect Yourself with Construction Insurance
Western Financial Group is an award-winning brokerage. We offer a customized insurance program that’s offered exclusively to members of the Canadian Home Builders’ Association (CHBA) by our expert insurance brokers.
Our insurance expertise will benefit your business
We are skilled insurance shoppers. We work with the Canadian Home Builders’ Association to offer its members of Canada’s residential construction industry a unique program to protect their businesses.
Why you need construction insurance
As part of Canada’s residential construction industry, you will have the customized coverage that you need.
Did you know that a detached home is one of the most popular types of houses in Canada? Detached houses exist on their own lots and don't share any walls with other homes.
Who needs construction insurance?
- Home builders
- Renovators
- Land developers
- Trade contractors
- Product and material manufacturers
- Building product suppliers
- Service professionals
Benefits of our construction insurance program with CHBA
One policy providing:
- Customized insurance tailored for members of the CHBA
- Blanket coverage for builder's risk
- Liability limits up to $20,000,000
- Unique liability extensions to include professional liability, pollution liability, and crane and riggers liability
- Cyber coverage
- All risk coverage for contractor's tools and equipment
Why Choose Western
Compare Insurance Quotes for Free
We shop across trusted providers to find you the best personal or commercial insurance coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
Fast, Personalized Advice From Experts
Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
FAQ's
What is Construction Insurance in Canada?
Construction insurance is a set of policies that protect contractors, builders, developers, and property owners from financial loss related to property damage, injuries, equipment loss, or project delays during construction projects.
Is construction insurance required in Canada?
Yes, certain types of construction insurance are required by law in most provinces. Others, like General Liability or Builder’s Risk, are often contractually required even if not legally mandated.
What is Builder’s Risk Insurance?
Builder’s Risk covers buildings under construction against losses like fire, theft, vandalism, and weather damage. It usually ends once the project is completed or handed over.
Is subcontractor work covered under my policy?
Not always. Subcontractors may need to carry their own insurance. If you hire them, you may be liable if they’re uninsured. Always request a Certificate of Insurance (COI).
What is wrap-up liability insurance?
Wrap-up liability provides a single policy that covers all contractors and subcontractors on a project. It's often used on large commercial or infrastructure projects.
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