Construction Insurance
The construction sector is one of the biggest industries supporting Canada’s economy. At the start of 2025, investment in building construction rose by 1.8%, hitting $22.1 billion. As the industry continues to grow, so does the need for reliable and comprehensive protection.
KASE Insurance specializes in tailored construction insurance coverage for businesses, contractors, builders, and developers across Ontario. We tailor each policy to fit your operations, project size, and risk level so you can focus on building with confidence and peace of mind.
Don’t let property damage, accidents, or delays turn into costly setbacks. Work with us to find the right insurance policy for your business!
What is Construction Insurance?
Construction insurance refers to a group of policies protecting construction professionals and businesses from various risks inherent in building and renovation projects, including accidents, property damage, injuries, equipment loss, or legal liabilities. Like other types of business insurance, there’s no one-size-fits-all construction insurance policy.
Ontario insurance companies and brokerages work together to assess your business needs carefully before building a tailored trades or construction insurance plan. At KASE Insurance, we work closely with you to create customized construction insurance policies that meet each and every one of your coverage needs, be it for general liability, equipment protection, or employee protection. No matter what challenges arise, construction company insurance helps reduce exposure to risk and ensures your project stays on track.
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Why Do You Need Construction Liability Insurance?
There’s little room for error in the construction industry, which is why sufficient risk management is necessary. Construction liability insurance helps protect contractors and construction companies when the unexpected threatens all your hard work and investments.
Mitigate Financial Losses
Property damage, bodily injury, and environmental damage are just some of the risks you face when heading construction projects. Construction company insurance protects you from lawsuits and costly out-of-pocket expenses.
Preserves Your Company’s Reputation
Reputation and trust are major currencies in the construction sector. Liability coverage like contractor liability insurance goes a long way in showing professionalism to clients and stakeholders.
Required for Contracts and Permits
Many clients and municipalities in Ontario require proof of construction liability insurance before work can begin. Without it, you could lose contracts or face regulatory delays.
Maintain Business Operations
Lawsuits, injuries, and property damage can take time to resolve, but can your business afford to wait? Get construction insurance to help support your business in case of downtime or income loss.
What Does Construction Insurance Cover?
Construction insurance covers a broad range of risks specific to the building industry. Our construction insurance brokers can help you put together a comprehensive policy based on the biggest hazards your business faces daily, including:
- Property and equipment damage: The top construction insurance Ontario businesses get typically includes coverage for tools, machinery, materials, and even properties under construction. Our brokers can also help include coverage for damages your work causes to other properties.
- Third-party bodily injury: Our comprehensive construction liability insurance steps in when visitors, clients, or passersby are injured at your construction site or due to completed work.
- Professional errors & omissions: Professional liability insurance specific to construction companies helps defend your business against claims of design flaws, project mismanagement, or cost overruns.
- Environmental damage: Worried about spills, contamination, and regulatory fines? Let our insurance for construction company policies cover cleanup costs and legal penalties so they don’t cripple your operations.
- Subcontractor liability: Subpar work from subcontractors under your supervision can hurt your business. If hired crews cause delays, injuries, or defects, your policy helps mitigate financial fallout.
- Personnel safety: High-risk industries like the construction and trades require extensive coverage for workplace injuries, occupational illnesses, and rehabilitation costs. We can help you create protection for all these and more.
Types of Insurance Construction Businesses Need
Construction work calls for several kinds of insurance coverage for complete protection. KASE Insurance offers every type of construction site insurance you need to safeguard your people, projects, equipment, and bottom line.
Construction Liability Insurance
Protects against third-party bodily injury, property damage, and legal claims arising from work performed on-site.
Contractors Insurance
Contractors face potential lawsuits, injuries, property damage, and accidents on the daily. Contractors’ insurance shields your business from financial losses tied to jobsite incidents, faulty work, and more, so you can keep building with confidence.
Builder’s Risk Insurance
Unfinished buildings vulnerable to the elements are often susceptible to theft, vandalism, or damage. Builder’s Risk Insurance from KASE protects your materials, equipment, fixtures, and the structure itself while under construction.
Commercial General Liability Insurance (CGL Insurance)
Every nail hammered and beam raised exposes your construction business to third-party property damage and other risks. Commercial general liability insurance is your first line of defence against bodily injury, property damage, and personal injury claims.
Pollution Liability Insurance
Construction activities may accidentally cause environmental damage, leading to cleanup costs, regulatory fines, and third-party claims. Our pollution liability insurance policies can be tailored to cover risks unique to your construction sites’ environmental setting.
Workers’ Compensation Insurance
Required in Ontario, this provides wage replacement and medical coverage for employees injured on the job. Workers’ compensation insurance will cover medical costs, lost income while recovering, and death benefits.
Installation & Tool Floater Insurance
This covers building materials and fixtures that haven’t been installed can be vulnerable to damage. Avoid additional costs and legal claims with comprehensive installation and tool floater insurance coverage from KASE Insurance.
Wrap-Up Liability Insurance
Looking for complete construction insurance coverage for your whole crew? Wrap-up liability insurance bundles coverage for most (if not all) contractors and subcontractors under one policy. Work with us to find the perfect policy for your team.
Professional Liability Insurance (Errors & Omissions)
Professional liability insurance for construction companies is ideal for design-build firms or consultants, covering claims related to design flaws, delays, or negligent project oversight.
Who Needs Construction Business Insurance?
Construction business insurance is essential for any professional or company involved in building, renovating, or managing construction projects. From small residential jobs to large-scale commercial developments, this coverage protects against costly risks on and off the job site. You need construction insurance if you are:
Oversee or contribute to commercial or residential construction projects—contractors insurance is required for liability, equipment, and site-specific risks.
Standard homeowners’ insurance doesn’t provide enough protection for property owners acting as their own contractors. Protect yourself and your property from construction-specific risks with KASE Insurance.
Manage crews, timelines, and budgets and need comprehensive coverage for liability and job site risk, plus surety bonds for public or high-value projects.
Electricians, plumbers, and more—need insurance to protect against on-site injuries, equipment loss, and third-party claims.
Real estate developer insurance can be customized to cover multiple construction phases, potential delays, and long-term liability protection.
KASE Insurance helps architects and engineers with trade-specific policies addressing their unique professional liability and operational risks.
Why Choose KASE Insurance for Construction Insurance Ontario
When the structural integrity of your construction business is at stake, you need an insurance partner as solid as your foundations. KASE Insurance, a trusted and award-winning insurance broker in Ontario, builds tailor-made policies for contractors, developers, and trades professionals across the construction industry.
Our team understands the unique risks construction professionals face every day. Whether you’re managing a single-site project or leading a multi-million dollar development, our expert brokers will work with you to ensure your insurance needs are met. From construction liability insurance to builder’s risk, we help protect your business at every stage.
Contact us today for a custom coverage assessment or get started with a quick construction insurance quote!
Read what clients have to say about KASE
By far the most professional and trustworthy insurance brokerage I have known. We have been working with this firm for number of years now and I have nothing but good to say about their team and services. Stan and his team won't stop until we are fully satisfied. They are always on top of things, super fast in their assistance and very professional. I highly recommend this firm to anyone seeking for great insurance brokerage to work with. Big Thank You to Stan and Kase Insurance for many many years of great service!
Reviewer: Alex K
out of 5 stars
Stan and is team at KASE Insurance have been fantastic in explaining what insurance we needed for our business. Very hands on approach and detailed. I work highly recommend KASE Insurance for any business owner looking for great service.
Reviewer: Kyle Grooms
5 out of 5 stars
The KASE team is very easy to work with. They answer your questions quickly, walk you through the process patiently, and find you great rates. We've been working with them for a few years and we haven't felt the need to shop elsewhere because of their customer service.
Reviewer: Sasha Boersma
5 out of 5 stars