Insurance for APCHQ member construction contractors

Wrap-up insurance, also known as project-specific general liability, covers all parties involved in a project under a single policy. It protects the general contractor, subcontractors, the project owner, and authorized visitors for the duration of the work.

It is particularly useful on large-scale projects involving multiple subcontractors. Some public or institutional project owners require it before work begins. In the event of a loss, it avoids conflicts between the individual policies of the various parties involved.

A broker can assess whether your project warrants this type of coverage or whether your individual general liability is sufficient.

Yes, in the vast majority of cases. A subcontractor who causes damage to a third party is personally liable. If they are uninsured, the claim may be turned against the general contractor who hired them.

Requiring proof of insurance from your subcontractors before work begins is a standard and strongly recommended practice. Some contracts and project owners explicitly require it.

If your worksite is covered by wrap-up insurance, your subcontractors may be included under that policy. Confirm the conditions with your broker before assuming they are covered.

Yes, depending on the nature of your work. A standard general liability policy often excludes damage related to contamination or spills. Excavation, asbestos removal, and blasting can expose your business to significant claims.

Environmental liability covers decontamination costs and claims related to damage caused during your work. It may also be required by certain project owners or regulatory authorities, depending on the nature of the worksite.

If your activities carry a risk of contamination, verify that your current coverage includes this protection.

An insurer only represents its own products. A broker compares multiple insurers and products to find the coverage best suited to your type of activity, the scale of your projects, and your contractual obligations.

In the construction sector, needs vary considerably from one contractor to another. An electrician, a roofer, and a general contractor do not face the same risks or have the same coverage requirements.

A specialized broker understands the specifics of the sector. They identify gaps in your coverage, help you avoid underinsurance, and support you when a claim arises. At La Turquoise, our commercial insurance brokers analyze your situation and recommend a solution tailored to your reality.

To get a quote, contact a broker by phone or email. Prepare basic information about your business: type of activity, annual revenue, and number of years in operation. Also have on hand a list of your main equipment and information about your use of subcontractors.

If you have a current policy, have your existing insurer’s name and your contract’s expiry date available. For certain specialties, your RBQ (Régie du bâtiment du Québec) licence number will also be required.

A broker will review your file and present the options available based on your needs and budget.