If you’re in the construction business, you know how much safety counts to you and those around you. Naturally, you take every precaution imaginable to protect your hard working crew. Despite all those efforts, accidents still happen. Serious injuries occur more often in construction than any other industry. The Canadian Centre for Occupational Health and Safety reports that around 60,000 construction workers are injured each year from slips, trips and falls. On construction sites, it seems, Murphy’s Law prevails. That’s why solid, reliable general construction insurance coverage is absolutely critical.
Virtually every stakeholder in a construction project—architects, engineers, trades, health and safety consultants, maintenance crews and more—are subject to liabilities. Clients can accuse you of incompetence or misrepresentation, they can say you missed deadlines, went over budget or that your advice caused them financial loss. If they take legal action, you’re facing potentially astronomical costs associated with judgements, settlements and defense. Standard construction insurance policies don’t cover service or advice-based claims. Which is one of the many reasons why construction liability insurance is essential to protecting your business.
If you are on the board of directors of a construction firm, you’ll want to consider Directors and Officers liability as part of your construction insurance package. Some people assume that claims against directors and officers only affect public companies but that’s not the case. All organizations—public, private and non-profit—are vulnerable to lawsuits.
During the course of construction, there’s potential for a lot of things to go wrong. In order to protect the builder, the property owner or business owner, and everyone else involved, you need comprehensive course of construction insurance (COC). Sometimes referred to as builder’s risk insurance or construction risk insurance, this policy guarantees building cost coverage and comprehensive protection from start to finish. Policies and endorsements typically cover: Cost and labour to rebuild, existing structures, off-site coverage, natural disasters and professional fees. Considering the cost involved in construction, it makes sense to cover the project every step of the way with a tailor made policy. Consider it another tool in your belt.
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