Professional home builders' insurance is essential for any business building a dwelling or doing significant renovations. That includes professionals such as:
There are many types of insurance coverage and policies for home builders in Ontario to protect the value of a property being constructed or altered. Common coverages include:
Tell us about your insurance needs and current coverage.
We shop multiple trusted insurers to find coverage that fits your needs and budget.
Review your options, choose what fits your needs, and get your policy started, often the same day.
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Is Insurance for Home Builders Mandatory?
The government does not legally require home builders insurance (unlike commercial auto). However, clients, subcontractors, and suppliers require proof of insurance in the right types and amounts — refusing to hire or work with an uninsured builder. Even without proof-of-insurance demands, home building is a high-risk occupation; risks can run into millions of dollars and could end the business and harm personal finances.
