Insurance for your construction business
Request a quote for your construction business. We’re here to help you find the best insurance for your needs.
By phone
Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM
Types of businesses we insure
Here are some examples of the businesses or sectors we insure:
- Building construction and renovation
- Plumbing and electricity
- Painting
- Finishing
Construction insurance coverages
Protect your business and equipment from damage or loss due to incidents such as theft.
Included coverages
Commercial property
Covers physical damage to your building or its contents (such as merchandise, equipment and inventory)
Equipment breakdown
Covers the sudden and accidental breakdown of equipment on the insured premises (including electrical, mechanical or electronic equipment such as an electric motor, generator or compressor)
Loss of income
Covers a loss of income or additional expenses incurred due to a temporary closure after a covered incident (like water damage or a fire)
Dishonesty, disappearance and destruction
Covers losses due to fraud, such as money theft, or embezzlement by an employee
Business liability
Covers losses resulting from claims or legal action by third parties who sustained bodily injury, property damage or other accidental harm (such as a worker who falls onsite)
Installation floater insurance
Covers damage to property during installation, reconstruction or repair work (such as a sink or kitchen cabinets)
Optional coverages
- Builder’s risk (also known as course of construction): Covers new buildings under construction
- Contractor’s equipment and tools: Covers equipment and tools, including portable equipment, accessories and spare parts
- Water damage coverages: Cover damage caused by a flood, sewer backup or roof water, for example
- Earthquake: Covers damage caused by an earthquake or other earth movements resulting from an earthquake such as an avalanche or landslide
- Cyber risks: Covers certain financial losses due to a cyberattack or data breach
Discount for APCHQ members
You can save up to 15%
FAQ
What is construction insurance?
Construction insurance is a type of business insurance that provides general and optional coverages to meet the needs of construction businesses, including:
- Commercial general liability insurance
- Builder's risk insurance
- Installation floater insurance
- Commercial property insurance for tools and equipment
How much is liability insurance for a construction business?
It depends. Many factors affect the cost of property and liability insurance. For example, the location of your job site, the size of your business and the type of work you do can all influence your premium.
Get a business insurance quote to find out how much it could cost.
Get a commercial insurance quote
By phone
Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM