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Construction Insurance from Ai Surety


Contractor and Home Owner Liability Insurance



The course of Construction Insurance provides protection for parties with an insurable interest in a construction or renovation project.



Why do you need Course of Construction Insurance?


Are you planning on renovating, or beginning construction? Here are some things you may need to know before you start:


If you are a Contractor or a Home Owner ensure that you have a General Liability and a Course of Construction Policy in place. 


Some believe that Home Owner's Insurance policies cover renovations or a construction project, but in practice, only small renovations/non-bearing walls are often covered under the homeowner's policy. Check with your Home Owner insurance provider as not all policies will cover small renovations. 


A Contractor conducting projects will need a Course of Construction policy for the Renovation or build they are undertaking on the behalf of their client. The General Contractors' own policy will offer General Liability coverage for the areas under the Care, Custody, and Control of the Contractor. For example, a shared driveway would be outside of the area controlled by the General Contractor. If a slip and fall were to occur the claim may not be picked up by the contractors General Liability and would fall onto the liability of the Property Owner.  Premise Liability coverage can be purchased separately or maybe an extension of the property owners Home or Tenant policy.

Consumers acting as their own General Contractor on builds or larger renovations will need to ensure they have a Course of Construction and General Liability policy in place.


Course of Construction Policy Coverage


The Course of Construction policy protects the physical build/ building supplies and takes the place of the Home Owners policy during the build. The General Liability coverage will offer Liability coverage for claims arising from:

  • Third-party property damage
  • Third-party bodily injury

The General Liability will also act as an extra layer of protection in the case that a hired (Insured) subcontractor does not have enough insurance to cover a claim entered against them. 


Hence, with COC Insurance the Home Owner and General Contractor and their parties will be covered for any damage or bodily harm that may take place during the course of construction. 


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