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Understanding Toronto Builder’s Risk Insurance

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Builder's Risk Insurance is an essential coverage for construction projects in Toronto. It provides financial protection for damages or losses that occur during the construction process. In this article, we will provide a comprehensive guide to understanding Toronto Builder's Risk Insurance.

Coverage Options

Standard Coverage

Standard coverage for Builder's Risk Insurance in Toronto typically includes protection for damage to the building or structure under construction, materials and equipment on the job site, liability coverage for third-party injury or property damage, and loss of income coverage in case of project delays or interruptions.

Premium Coverage

Premium coverage options for toronto builders risk insurance may include additional coverage for specialized construction projects such as high-value homes or historic buildings, increased coverage limits for higher value projects, additional endorsements for items like soft costs and debris removal, and loss of rental income coverage for landlords with tenants in the building during construction.

Exclusions and Limitations

Like all insurance policies, Toronto Builder's Risk Insurance may have certain exclusions and limitations. These may include losses due to poor workmanship or design errors, intentional damage, and certain types of natural disasters. It is important to review the policy carefully to understand any exclusions that may apply to your project.


Builder's Risk Insurance is a crucial coverage for construction projects in Toronto. Understanding the coverage options, exclusions, and limitations can help ensure you have the right coverage for your project. Contact RJB Insurance for a quote today.


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