Course of Construction

Course of Construction insurance is a specialty property policy that protects owners, contractors and subcontractors from the devastating impact of fires, floods, vandalism, theft, and other unexpected losses to a construction project.  TruStar’s solution can form part of Owner Controlled Insurance Programs (OCIPs) and Contractor Controlled Insurance Programs (CCIPs), and can be structured for an individual project or as a Master policy.

Available Capacity:

Up to $50,000,000 for new projects no larger than six storeys, including up to $10,000,000 limits for Wood Frame projects.

Minimum Premium:

$25,000

Target Projects:

  • Single structure condominiums or rental apartment buildings
  • Single structure health and senior care facilities (no larger than four storeys)
  • Multi-structure town home developments (no larger than three storeys)
  • Single family dwellings (both on a single structure and multi-structure basis, including new subdivisions)

Wrap Up Liability

Wrap Up Liability is a specialty policy type that protects the parties of a construction team from the general liability exposures that exist during the course of a construction project and into its completed-operations period. TruStar’s solution can form part of Owner Controlled Insurance Programs (OCIPs) and Contractor Controlled Insurance Programs (CCIPs), and can be structured as a primary or excess policy.

Available Capacity:

Up to $25,000,000, and up to $100,000,000 for excess policies.

Minimum Premium:

$5,000

Target Projects:

  • Single structure condominiums or rental apartment buildings (no larger than six storeys)
  • Single structure health and senior care facilities (no larger than four storeys)
  • Multi-structure town home developments (no larger than three storeys)
  • Single family dwellings (both on a single structure and multi-structure basis, including new subdivisions)
  • Commercial, industrial and institutional projects (including single and multi-tenant occupancies)
  • Civil projects (including infrastructure, highways and roads, sewers and watermains)

Commercial General Liability

Commercial General Liability is one of the most widely bought liability policy types in Canada.  Its coverage protects businesses from claims for bodily or personal injury, advertising injury, and property damage to third parties caused by the product it sells, the services it provides, or an incident that occurred on its premises.

Available Capacity:

Up to $5,000,000 for Canadian-domiciled policyholders, including those with international sales.

Minimum Premium:

$5,000

Target Classes:

  • Contractors (incl. blasting, concrete services, electrical services, excavation, mechanical services, paving and road construction, restoration and remediation services, sewer and watermain services, waterproofing, and welding)
  • Business and personal services
  • Manufacturing and wholesale (incl. construction materials, plastics, protective products, rubber products, and wood products)

Contractors Pollution Liability

Contractors Pollution Liability is a specialty policy type that protects contractors from the pollution conditions and environmental liabilities that may result from their operations and completed work. This policy provides coverage for third party bodily injury and third party property or environmental damage (including clean-up costs), which are often excluded from general liability products.

Available Capacity:

Up to $5,000,000 for Canadian-domiciled policyholders, with very limited to no exposure to the United States.

Minimum Premium:

$5,000

Target Classes:

  • Asbestos, lead and mould abatement
  • Demolition
  • Excavation
  • Fire and flood services
  • Mechanical services
  • Paving and road construction
  • Restoration and remediation services
  • Sewer and watermain services
  • Waterproofing
  • Welding

Excess and Umbrella Liability

Excess and Umbrella Liability policies provide additional protection from catastrophic commercial liability losses and can supplement any coverage gaps in an underlying policy. TruStar offers the flexibility of Claims-Made or Occurrence based coverage that can integrate seamlessly with the underlying policy, regardless of its insuring agreements.

Available Capacity:

Up to $25,000,000 for Canadian-domiciled policyholders, including those with international sales.

Minimum Premium:

$7,500

Target Classes:

  • Contractors (incl. blasting, concrete services, electrical services, excavation, mechanical services, paving and road construction, restoration and remediation services, sewer and watermain services, waterproofing, and welding)
  • Business and personal services
  • Manufacturing and wholesale (incl. construction materials, plastics, protective products, rubber products, and wood products)