Edmonton Construction Insurance

When you are in the construction business, you know how dangerous the job can be – but did you know that safely running your business involves more than protection from accidents and injuries?

Capital Insurance can give you peace of mind by creating comprehensive commercial insurance policies to cover all aspects of your business. Any business, especially those in the construction industry, can face unforeseen circumstances. Let us help keep you protected.


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Capital Insurance can protect your construction business

Who Needs Construction Insurance?

Whether you are involved in residential or commercial construction, construction insurance is imperative in protecting your business, your employees, and your clients.

Without construction insurance, your business could suffer greatly from loss and face lawsuits in response to injury and damages.

Facing these situations without the protection of an insurance policy could spell the end of your business. Saving a few dollars off your construction insurance policy could cost you a lot more money in the end.

There are a number of different businesses and professions who we can create custom construction insurance packages for, including:

  • Homebuilders
  • Carpenters
  • General contractors
  • Handymen
  • Plumbers
  • Electricians
  • Painters
  • Stone and tile installers
  • Renovation companies
  • Roofers
  • Drywallers

Why Do You Need Construction Insurance?

Construction is a hazardous field of work. There are high risks of accidents, injuries, damage, and liability.

Insurance can protect businesses in a number of situations such as:

  • A client or other 3rd party individual is injured on the job site
  • An oversight causes significant future damage
  • A disaster related to electrical work
  • Structural or aesthetic construction defects

As far as running a construction business goes, there are specific reasons why you need the proper coverage:

Property protection: Should your physical work property, such as an office, or equipment become damaged, you want to make sure you are covered in order to keep your business up and running.

Injuries: Equipment, materials and precarious physical situations (such as climbing ladders or working on scaffolding) can easily lead to bodily injury and harm. Even if you take all the precautions and apply preventative measures, accidents can and do happen.

Theft: Your construction business relies on your equipment. Make sure any equipment stored at the business or left at the job site is covered in the event of theft.

What Types of Coverage Do You Need?

General Liability Insurance: This type of coverage protects your business from 3rd party lawsuits filed due to property damage or bodily injury. It also covers any medical fees that result from injury to a 3rd party.

Commercial Property Insurance: This policy covers the value of any business property located on the business’s premises. This includes repair or replacement of property and equipment.

Equipment and Tools Insurance: Protect your tools and equipment located away from your business premises with this type of coverage.

Installation Insurance: Installation insurance covers any property or materials while in transit to the job site as well as during installation.

Builder’s Risk Insurance: Builder’s risk insurance covers structures while under construction. This includes on site materials.

Business Interruption Coverage: This type of insurance coverage is recommended for business of all kinds. It covers the loss of income following a disaster that causes a business to close during the repair and restoration period.

Commercial Automotive Coverage: If you use a personal vehicle for work purposes, your personal insurance may not cover work-related damages to the vehicle. Commercial automotive coverage is recommended since it covers business-related liability to any vehicles associated with your company.

Get the coverage you need!

Don’t let insurance be one more thing on your mind. Request a construction insurance quote from Capital Insurance Brokers today!

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