Insurance for Contractors, Builders & Growing Projects
From your first build to large-scale developments, we help protect your projects, your team, and your business at every stage.
Construction Insurance
Coverage Built for the Way Projects Actually Run
Construction is one of the most dynamic and risk-exposed industries — where timelines are tight, capital is significant, and multiple parties are involved on every project.
From general contractors and trades to developers and project owners, even small gaps in coverage can create major financial exposure.
At Coughlin Insurance, we work with construction businesses across Western Canada to build insurance programs that reflect how projects actually run. Whether you’re building your first commercial 6-plex, managing multiple job sites, or taking on a multi-phase industrial buildout, we help ensure your coverage is structured properly from the ground up.
What We Cover
We provide tailored insurance solutions for construction businesses, including:
- Commercial General Liability
- Course of Construction (Builder’s Risk)
- Wrap-Up Liability (project-specific programs)
- Equipment & Tools Coverage
- Surety & Bonding
- Professional Liability (for design-build exposures)
- Fleet & Commercial Auto
- Umbrella & Excess Liability
Who We Work With
We support a wide range of construction and contracting businesses, including:
- General contractors
- Subcontractors and trades (electrical, mechanical, framing, concrete, etc.)
- Developers and builders
- Renovation and restoration contractors
- Property restoration and disaster recovery contractors (fire, water, and environmental)
- Commercial and industrial project teams
From smaller owner-operated businesses to growing contractors taking on larger and more complex projects, we structure insurance that evolves with your business.
Common Risks & Considerations
Construction insurance requires careful coordination between coverage, contracts, and project requirements. Key considerations include:
- Liability exposure across multiple trades and subcontractors
- Project-specific risks tied to job size, scope, and location
- Equipment theft, damage, and job site security
- Delays and cost overruns impacting project timelines
- Contractual risk transfer and indemnification clauses
- Bonding requirements for larger projects and tenders
Ensuring your insurance aligns with your contracts and project structure is critical to avoiding gaps.
Restoration & Disaster Recovery Contractors
Property restoration contractors operate in a fast-paced, high-pressure environment where work often begins immediately after a loss. Whether responding to fire, water damage, or environmental issues, these projects come with unique risks that require specialized insurance consideration.
Key factors we account for include:
- Working in partially damaged or structurally compromised buildings
- Exposure to mold, environmental hazards, and contamination
- Urgent response timelines and after-hours operations
- Coordination with insurers, adjusters, and property owners
- Increased liability exposure tied to remediation and reconstruction work
We work with restoration contractors across Western Canada to ensure coverage is structured properly — helping protect your business while you focus on getting properties back up and running.
Project Types We Support
We work across a wide range of construction projects, including:
- Residential builds and multi-family developments
- Commercial construction and tenant improvements
- Industrial and infrastructure projects
- Renovation and retrofit work
- Design-build and project-managed developments
Whether you’re focused on local projects or expanding into larger developments across Western Canada, we help ensure your coverage keeps pace.
Why Choose Coughlin Insurance?
We understand construction isn’t just about getting the job done — it’s about managing risk properly so you can keep growing with confidence.
Strong experience across residential, commercial, and industrial construction
Access to insurers that specialize in construction risk
Bonding support to help you qualify for larger projects
Practical, straightforward advice that aligns with how contractors operate
Ongoing support as your projects and business grows
Frequently Asked Questions
What is builder’s risk insurance?
Builder’s risk (course of construction) covers the project itself during construction, including materials, equipment, and partially completed work.
Do contractors need liability insurance?
Yes — commercial general liability protects against third-party injury or property damage claims related to your work.
What is wrap-up liability?
Wrap-up policies provide coverage for all contractors on a specific project, typically required on larger developments.
How does bonding work?
Surety bonding provides financial assurance to project owners and is often required to bid on and secure larger contracts
When should I review my insurance program?
Anytime your project size, revenue, or scope changes — your insurance should evolve with your business.
Protect your projects, your team, and your business with the right structure in place.
