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Construction and Trades Insurance

The more years you spend in the construction business and on job sites, the more you know that things can go wrong even on the most well-organised projects—equipment can break down when you need it most, or work-related accidents can cause injuries and property damage. The risks can be even greater when you're working on someone else's site. Make sure you protect your business, and your reputation, with BCAA's Construction & Trades Insurance.

Construction and Trades We Cover

We cover a wide range of construction and trades. A few examples include 


Commercial Painters


Cleaning Services

Renovation Contractors

Window Installers

Backhoe Excavation

Flooring Contractors

Don't see yours? Find it here.
If your business has fewer than ten employees and earns less than $5 million in yearly revenue, start a quote to get the right coverage.

Do You Need Construction and Trades Insurance?

It doesn't matter whether you work on big industrial construction jobs or residential projects, you've probably seen your fair share of moments when something's gone wrong on the site. It won't surprise you to know that the three most common events that mess up projects and reputations are work injuries, property damage, and stolen equipment. It makes sense for everyone involved in construction to protect themselves and their livelihood from the most common risks to their business - like stolen or broken equipment - to the most costly damage to your reputation.

Getting the right coverage means that the loss of valuable equipment won't get in the way of you operating your business and delivering your work. It also puts you in a better position to keep clients happy and your reputation intact—without cratering your cash flow— if you need to make things right after any errors, accidents or injuries. 

You can't control every eventuality on a busy worksite, but you can plan for it. Protect people, property, and your business by getting customized converge that works for you.

Recommended Coverages

Commercial General Liability

This covers you if someone injures themselves while at your store. It also includes product liability which protects you when a product you sell causes harm to someone else or damages their property. You can be held responsible for the expenses, legal fees and lost wages that result.

Cyber Risk

Cyber risk is included with all our business policies to help protect your business from the costs and risks that can follow a cyber-attack, such as restoring of your system, notifying customers about the compromised data and providing credit monitoring.

Property Insurance

If something unfortunate happens at your store, such as a fire, flood or theft, this provides coverage for replacement or repair costs for your building, as well as fixtures and your stock.

Contractor's Equipment & Tool Floater

Tools transported or stored at job sites are particularly vulnerable to theft. Get coverage to replace or repair your equipment wherever it’s kept. Some contractors don’t have a shop and therefore just get this vs property insurance to cover their gear.

Construction Site

Coverages Depending on Operations

Equipment Breakdown

For some stores, a key piece of equipment can make or break their operations. Get coverage to help with replacement, repair, as well as lost income until it's back up and running again. 

Installation Floater

The installation floater covers you when you're taking building materials that you need to install to or from your worksite, as well as when they're on the premises waiting to be installed.

Riggers Insurance

If you use your own equipment to lift or suspend goods and materials off the ground for other contractors or clients, riggers insurance covers you for property damage while you are loading, lifting, or unloading the supplies.

Our online quote tool learns about your business and the coverages you need to protect it. Get a customized quote and buy your insurance policy today.

Start Your Quote

Why Choose BCAA

Quick and Convenient

Get a quote and buy business insurance today with our convenient online tool that only asks the important questions. After you’re all set up, make updates as needed.

Customizable Protection

Business insurance off the internet specifically catered for you with custom coverage recommendations that protect you against the particular risks faced by your business.

Solid Advice

Our online tool helps identify risks faced by businesses like yours and provides coverage recommendations. If you need more help, our expert Small Business Advisors are here for you.

Simple and Straightforward

No complicated industry jargon, just straightforward coverage for the business you’ve worked so hard to build.

Trust & Reliability

With coverage from one of BC’s top insurance providers, award-winning service, and a local 24/7 emergency claims team – you'll have the peace of mind that you’re covered.

Valuable Ways to Save

Reduce premiums through a claims-free discount. Plus, business owners can get even more savings with a personal BCAA Membership.

Small Business insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency, and is underwritten by BCAA Insurance Corporation, The Boiler Inspection, and Insurance Company of Canada, and HDI Global Specialty SE (the "Underwriters"). Claims are administered by the Underwriters ARAG Legal Solutions Inc., and their respective subcontractors.

Conditions apply to promotional offers. Promotional offers are only valid for new BCAA Small Business Insurance policies and are applied to the total premium amount

BCAA, in association with CAA, was ranked the #1 Most Trusted Insurance Brand in Canada by the 2022 Gustavson Brand Trust Index.