Insurance Solutions Tailored To The Construction Industry
If you're planning a new build or renovation in Ontario, having the right construction insurance is essential from the start. As a local insurance company with deep roots in the community, PetleyHare offers construction and commercial property coverage that is designed to protect your site, materials, tools, and liability exposures throughout the build. Our insurance policies are built around the realities of Ontario construction projects, providing coverage for fire, theft, weather-related damage, and bodily injury claims. With over 100 years of experience supporting contractors, custom home builders, and renovation professionals, we deliver flexible protection and personal support that helps keep your insured construction project moving forward safely and securely.
Core Coverage Options & Add-Ons
Builder’s Risk Insurance
Also called course of construction insurance, this foundational coverage includes protection for materials, scaffolding, off-site storage, and the physical build itself. Builder’s risk insurance for contractors ensures you're protected until the last nail is in place.
Contractor’s Equipment & Liability
Cover your tools, machinery, and mobile equipment from damage, loss, or theft. Liability coverage helps you protect your construction project against injury or property damage that could happen on-site. This is essential for companies managing multiple teams or large-scale builds.
Temporary & Site-Specific Solutions
Need temporary construction insurance in Ontario? We offer frame stage insurance and building site insurance designed for short-duration or partial builds. Already insured? Update your current policy to include your next project.
Why Construction Insurance Matters in Ontario
A construction site is a high-risk environment. From theft, storm damage, equipment breakdowns, and physical damage, there’s a lot that can go wrong, and fast. In Ontario, where wind and weather events can be unpredictable, it’s critical to be prepared with coverage that helps protect your business and investment at every stage.
Construction insurance that Ontario contractors can rely on provides peace of mind. An Ontario builder’s risk policy protects your site during all stages of the build. If you experience an issue, start a claim with our team, and we’ll help guide you every step of the way.
Want local advice? Reach out to our Oshawa office or Port Perry location today.
Who Needs This Coverage?
Construction insurance isn’t just for large companies. It’s ideal for:
- General contractors working on residential or commercial builds
- Developers managing multiple building projects
- Custom home builders starting from the ground up
- Homeowners undertaking major renovations or additions
Whether you need construction insurance for new home builds or custom home construction insurance, Ontario residents can trust that we’ve got you covered with the right insurance. Enjoy peace of mind knowing your insured construction project is protected every step of the way.
Local Benefits & Our Offices
As a local business, we understand the specific risks Ontario builders face. Our experience working with clients around Oshawa, Port Perry, and across Durham Region helps us provide insight that national providers can’t match.
Looking for builder’s risk insurance in Ontario? Want to speak to someone who understands local regulations? That’s where our offices come in.
Bundle Your Insurance Coverage for Complete Protection
Construction insurance works even better when it's part of a complete insurance solution. At PetleyHare, we can help you build a package that protects every aspect of your project—from the foundation to the final walkthrough.
You can combine builder’s risk insurance with:
- Contractor general liability insurance coverage for on-site accidents or third-party damage
- Commercial auto insurance for trucks and equipment used on the job
- Equipment breakdown coverage for tools and machinery
- Wrap-up liability for larger projects involving multiple contractors or subcontractors
Whether you need project insurance for a full commercial build or renovation insurance for a home update, bundling your coverage keeps things simple and cost-effective.
Not sure what’s right for your situation? Our brokers are here to walk you through your options and build a plan that fits your needs.
Make a Claim With A Simple & Supportive Process
At PetleyHare, our claims process is fast, clear, and supportive. Here’s how it works:
Step 1: Notify your broker right away
Step 2: A member of our team will walk you through the process
Step 3: An adjuster will assess the situation
Step 4: You’ll receive your payout quickly
Why Choose Construction Insurance from PetleyHare?
Ontario's construction industry is growing fast, and with that growth comes the need for better, more specific insurance coverage. That’s why PetleyHare offers tailored construction insurance designed for contractors, custom home builders, and homeowners tackling renovations.
We’ve heard from clients across the province who are frustrated with generic policies that don’t match the realities of job site risks. Our local brokers in Oshawa and Port Perry are here to change that. We work with top insurers to deliver flexible, project-ready protection that reflects today’s construction needs.
Whether you’re managing a full-scale new build or overseeing a simple renovation, our construction insurance ensures you have the right protection in place. If you're already insured and planning a new project, you can update your current policy quickly online.
What Clients Are Saying About Our Construction Insurance in Ontario
See what our customers have to say about our savings, customer service, and transparency.
Get a Quote Today from Trusted Insurance Brokers
Protect your site, your timeline, and your investment with construction insurance that works for you. At PetleyHare, we offer personalized service, access to Canada’s top insurers, and a team that cares about your project’s success.
Get started with a free, no-obligation quote for construction insurance and risk management today.
FAQs About Construction Business Insurance
What Is Construction Insurance?
It protects your job site, materials, tools, and liability exposure during a construction project. It’s essential for builds and renovations of all sizes. This type of construction company insurance also supports risk management planning and contract compliance.
How Does Builder’s Risk Insurance Differ From General Liability?
Builder’s risk protects the structure and materials from damage. General liability covers injuries and third-party property damage.
Can I Update My Coverage as My Project Grows?
Absolutely. You can adjust limits and add coverages (e.g., equipment or liability) as your project scope changes.
When Should I Start the Insurance for Construction Projects?
It is a good idea to take out the builder’s risk policy before the foundation is poured. While it is still possible to obtain insurance once the construction has started, starting early often makes it easier to get full protection and a smoother approval from insurers.
Does It Cover Theft or Vandalism on Site?
Yes. Most builder’s risk policies include theft and vandalism coverage, though limits may vary. It’s important to secure the site and confirm details with your broker.
Can Homeowners Get Coverage During Renovations?
Yes. We offer home renovation insurance coverage Ontario clients can rely on—even while living in the home.
What’s Not Covered Under Construction Insurance?
Most policies exclude faulty workmanship, normal wear and tear, employee theft, and contractual penalties. Your broker can recommend add-ons for specific risks.
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