Insurance that's Built Better

Construction
Insurance

Ferrari & Associates knows that your construction business is more than just a job—it’s the foundation of your success, built on hard work, skill, and dedication. That’s why we provide tailored construction insurance solutions to protect your projects, equipment, and team, ensuring you can focus on building the future with confidence. Whether you’re breaking ground on a new development, managing subcontractors, or securing bonds for a major contract, we offer coverage designed to keep your business moving forward.

Our dedicated, high-touch, hands-on approach sets us apart. With expertise in commercial, industrial, and residential construction, as well as developer surety, we provide flexible, customized coverage that meets the unique risks of your trade. From small contractors to large construction firms, our experienced brokers ensure you get the right protection—seamlessly and with the professionalism you expect.

Build with confidence. Protect your business with Ferrari & Associates.

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Construction Insurance Experts

Your projects have helped advance landscapes and build up cities. At Ferrari & Associates, we understand the importance of your work and how critical it is to keep your legacy protected. By entrusting your construction insurance to our firm, your construction projects will be secured by a dynamic and in-depth insurance plan built by our experts and customized by you.

Commercial General Liability

Intended to protect your construction business from financial losses due to lawsuits or medical expenses resulting from bodily injury or property damage related to your construction activities.

This is particularly important for construction businesses that interact directly with clients, work on job sites, or engage in activities where accidents or damages could occur. This is also important for those who meet with vendors or the public on their premises, job sites or during business operations.

This could include general contractors, subcontractors, roofing contractors, demolition companies, excavation contractors, home builders, landscaping and snow removal contractors for example.

Commercial Property
Insurance

Intended to protect your construction company’s physical assets including buildings, warehouses, storage facilities, as well as your equipment, tools and materials stored within them to ensure stability and continuity of operations due to unforeseen events.

This is particularly important if your business owns or leases physical locations, or stores high-value materials and equipment on-site.

This could include general contractors, subcontractors, construction offices, equipment rental companies, demolition companies, custom home builders and landscaping or snow removal contractors, for example.

Contractors Equipment
Coverage

Also known as contractor’s equipment insurance, it is intended to protect construction businesses from financial loss due to theft, damage or loss of their tools and equipment, whether on the job site, in transit or stored off-site.

This is particularly important for construction businesses that use specialized tools, or high-value equipment on their projects.

This could include general contractors, roofing contractors, concrete and paving companies, landscaping or snow removal contractors, electrical and plumbing contractors, demolition, excavating and grading contractors, for example.

Commercial Automotive Insurance

Commercial Automotive Insurance is designed to protect your construction business, company vehicles, and employees in the event of accidents, damages, theft, or liability claims. It helps cover the high costs of repairs, medical expenses, and legal fees that may arise from unforeseen incidents on the road.

This coverage is important for construction companies that rely on vehicles to transport employees, materials, tools, and equipment to and from job sites.

From pickup trucks and cargo vans to dump trucks and heavy-duty equipment haulers, commercial auto insurance provides specialized coverage tailored to the unique risks of the construction industry.

Builders Risk
Insurance

Intended to protect your construction or renovation project from financial loss due to damage to buildings, materials and equipment during the construction process.

This is particularly important for construction companies and contractors involved in new construction, renovation, or installation projects where materials, equipment, or unfinished structures are exposed to potential risks.

This could include general contractors, subcontractors, property developers, custom home builders, and renovation contractors, commercial construction firms, industrial construction, multi-residential developers, or companies working on government and municipal projects, for example

Wrap-Up
Liability

Wrap-up liability Intended to provide liability coverage against claims of bodily injury, property damage or personal and advertising injury for all parties involved in a construction project, under one insurance policy.

This is particularly important for large and complex construction projects where multiple contractors and subcontractors work on the same job site, like infrastructure, municipal, subdivisions or industrial projects.

This could include property developers, civil engineers, custom home builders, renewable energy, commercial builders, municipal or government projects, multi-family residential developers, specialty trades contractors like roofers, elevator installers, and general contractors, for example.

Environmental Liability
Insurance

Intended to protect your company from financial losses and legal liabilities related to environmental damage or pollution caused by your operations and could include coverage for claims for cleanup costs, third-party properrty damage, bodily injury or fines.

This is particularly important if your business works where water, soil and air contamination, or handling hazardous materials puts your business at risk,

This could include demolition contractors, industrial construction, road and infrastructure builders, waste management and recycling, marine construction, hazardous materials removal, pipeline and utilities contractors, for example.

Professional Liability (Errors & Omissions)

Designed and intended to protect construction companies and contractors from claims of negligence, errors, and other issues that could lead to financial losses for their clients.

This protection is especially important and necessary for construction businesses involved in managing large-scale construction projects, handling sensitive client information, or providing expertise and professional services in the construction industry.

Examples of relevant professions include general contractors, subcontractors, project managers, architects, engineers, construction consultants, and design-build firms. Click this box to learn more about professional liability, a type of commercial insurance.

Directors & Officers Insurance

Designed and intended to protect your construction business and the personal assets of your company's leadership from financial losses linked to legal disputes or defense costs.

This is especially important and necessary for contractors, subcontractors, construction management firms, and development companies as the construction industry often faces a many legal challenges including contractual disputes, liability claims, and compliance issues. This comprehensive coverage could extend to project owners, safety boards, licensing bodies, insurance providers, and stakeholders involved in various construction projects, ensuring that all parties are better protected and supported during legal proceedings.

Business Interruption Insurance

Cyber Liability
Insurance

Intended to protect your businesses from financial losses and legal liabilities associated with data breaches, cyberattacks, ransomware, and other types of technology-related risks. It could provide coverage for costs associated with data recovery, legal fees, public relations and regulatory fines.

This is particularly important if your business uses cloud-based project management systems, store sensitive client data, project plans and financial records.

This could include property developers, architects and engineers, general contractors, renewable energy, construction management firms, and equipment rental companies, for example.

Surety
Bonds

Surety bonds are a three-party agreement involving a contractor, project owner, and surety company. They provide a financial guarantee that the construction company will meet its contractual obligations, such as completing projects on time and paying subcontractors and suppliers.

This is particularly important if your business bids on large-scale projects, works on government contracts, or relies on subcontractors to complete your projects.

Surety bonds are a critical tool for construction companies to secure contracts, build trust with your clients, and ensure financial project for all stakeholders involved in your project.

Our construction insurance solutions provide coverage for most industries across Canada.

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