{"id":2394,"date":"2026-06-30T10:00:05","date_gmt":"2026-06-30T10:00:05","guid":{"rendered":"https:\/\/stg.lareau.ca\/en\/?p=2394"},"modified":"2026-06-30T14:25:02","modified_gmt":"2026-06-30T14:25:02","slug":"building-contractors","status":"publish","type":"post","link":"https:\/\/lareau.ca\/en\/article\/building-contractors\/","title":{"rendered":"Construction Contractors: How to Know if You\u2019re Properly Insured for Your Construction Site"},"content":{"rendered":"<h2><b><span data-contrast=\"auto\">In brief,<\/span><\/b><\/h2>\n<p><b><span data-contrast=\"auto\"><br \/>\nyou\u2019re properly insured for a construction project when three key elements are in place:<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">a\u00a0valid\u00a0RBQ licence\u00a0that\u00a0matches the\u00a0work\u00a0being\u00a0performed;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">liability\u00a0insurance\u00a0aligned\u00a0with\u00a0your\u00a0actual\u00a0activities;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">builder\u2019s\u00a0risk\u00a0insurance\u00a0that\u00a0protects\u00a0the\u00a0project\u00a0during\u00a0construction.<\/span>\u00a0<br \/>\n<span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">If\u00a0any\u00a0of\u00a0these\u00a0elements\u00a0is\u00a0missing\u00a0or\u00a0misaligned, the job site\u00a0may\u00a0be\u00a0exposed\u00a0to\u00a0significant\u00a0financial\u00a0risks.\u00a0It\u2019s\u00a0also\u00a0important to\u00a0keep\u00a0in\u00a0mind\u00a0that\u00a0these\u00a0protections are\u00a0typically\u00a0the minimum\u00a0requirements\u00a0set by\u00a0authorities, not full\u00a0coverage.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">To\u00a0be\u00a0fully\u00a0protected,\u00a0it\u2019s\u00a0essential to\u00a0understand\u00a0the\u00a0role\u00a0of\u00a0each\u00a0element,\u00a0since\u00a0their\u00a0scope\u00a0is\u00a0not the\u00a0same.\u00a0Let\u2019s\u00a0start\u00a0with\u00a0the one\u00a0that\u00a0often\u00a0creates\u00a0the\u00a0most\u00a0confusion: the RBQ licence and bonding.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Are\u00a0my\u00a0RBQ licence and bonding\u00a0enough\u00a0to\u00a0protect\u00a0me?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:300}\">\u00a0<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">No. An\u00a0RBQ\u00a0licence\u00a0and bonding are essential and\u00a0often\u00a0mandatory, but\u00a0they\u00a0do not cover all the\u00a0risks\u00a0associated\u00a0with\u00a0a construction\u00a0project. Bonding\u00a0mainly\u00a0serves\u00a0to\u00a0compensate\u00a0for\u00a0specific\u00a0losses\u00a0related\u00a0to the\u00a0execution\u00a0or non-completion\u00a0of the\u00a0work. It\u00a0does\u00a0not replace\u00a0liability\u00a0insurance\u00a0or\u00a0builder\u2019s\u00a0risk\u00a0insurance\u00a0tailored\u00a0to the reality of the\u00a0project.<\/span>\u00a0<br \/>\n<span data-contrast=\"auto\">It\u2019s\u00a0therefore\u00a0important to\u00a0complement\u00a0these\u00a0protections\u00a0with\u00a0coverage\u00a0adapted\u00a0to\u00a0your\u00a0job site.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-contrast=\"none\">What\u00a0is\u00a0the essential basic\u00a0insurance\u00a0in construction?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:300}\">\u00a0<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">Liability\u00a0insurance\u00a0is\u00a0the\u00a0foundation\u00a0of\u00a0any\u00a0construction\u00a0insurance\u00a0program. It\u00a0protects\u00a0your\u00a0business if\u00a0property\u00a0damage or\u00a0bodily\u00a0injury\u00a0is\u00a0caused\u00a0to a\u00a0third\u00a0party\u00a0as a\u00a0result\u00a0of\u00a0your\u00a0declared\u00a0activities.\u00a0Without\u00a0adequate\u00a0limits, a single incident can lead to major\u00a0financial\u00a0consequences.<\/span>\u00a0<br \/>\n<span data-contrast=\"auto\">It\u2019s\u00a0therefore\u00a0important to\u00a0complement\u00a0this\u00a0coverage\u00a0with\u00a0insurance\u00a0that\u00a0reflects\u00a0the\u00a0realities\u00a0of\u00a0your\u00a0job sites.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-contrast=\"none\">Why\u00a0is\u00a0builder\u2019s\u00a0risk\u00a0insurance\u00a0so\u00a0important?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:300}\">\u00a0<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">Because\u00a0it\u00a0directly\u00a0protects\u00a0the\u00a0project\u00a0while\u00a0it\u00a0is\u00a0under\u00a0construction. Fire,\u00a0material\u00a0theft,\u00a0vandalism\u00a0or water damage can\u00a0occur\u00a0before\u00a0the\u00a0work\u00a0is\u00a0completed.\u00a0Builder\u2019s\u00a0risk\u00a0insurance\u00a0covers\u00a0this\u00a0type of\u00a0property\u00a0damage\u00a0during\u00a0the\u00a0project,\u00a0according\u00a0to the\u00a0policy\u00a0conditions.\u00a0Without\u00a0this\u00a0protection,\u00a0costs\u00a0can\u00a0add\u00a0up\u00a0quickly.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Are\u00a0subcontractors\u00a0automatically\u00a0covered?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:300}\">\u00a0<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">Not necessarily. Each subcontractor\u00a0generally needs\u00a0to carry their own liability insurance. On their end, general contractors should include a contractual clause requiring subcontractors to provide up-to-date proof of insurance.<\/span>\u00a0<br \/>\n<span data-contrast=\"auto\">It\u2019s also important to ensure that declared activities truly reflect the work being carried out on site.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">What\u00a0is\u00a0\u201cwrap-up\u201d\u00a0insurance\u00a0in construction?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:300}\">\u00a0<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">Wrap-up\u00a0liability\u00a0insurance\u00a0brings\u00a0together\u00a0the\u00a0liability\u00a0coverage\u00a0of multiple parties\u00a0under\u00a0a single\u00a0policy\u00a0for a\u00a0specific\u00a0project. It\u00a0helps\u00a0streamline\u00a0claims management and clarifies\u00a0responsibilities\u00a0between\u00a0all\u00a0involved\u00a0parties.<\/span>\u00a0<br \/>\n<span data-contrast=\"auto\">It\u00a0is\u00a0mainly\u00a0used\u00a0on large-scale\u00a0projects\u00a0and\u00a0helps\u00a0reduce\u00a0grey\u00a0areas\u00a0when\u00a0a claim\u00a0involves\u00a0several\u00a0stakeholders.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-contrast=\"none\">How can\u00a0you\u00a0tell if\u00a0your\u00a0insurance\u00a0still\u00a0fits\u00a0your\u00a0current\u00a0projects?<\/span>\u00a0<br \/>\n<span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:300}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">As\u00a0soon\u00a0as\u00a0your\u00a0activities\u00a0evolve,\u00a0projects\u00a0grow\u00a0in scope, or new\u00a0risks\u00a0emerge,\u00a0it\u2019s\u00a0recommended\u00a0to\u00a0review\u00a0your\u00a0insurance\u00a0coverage. A\u00a0policy\u00a0that\u00a0no longer\u00a0reflects\u00a0your\u00a0on-site reality can\u00a0leave\u00a0important gaps and expose\u00a0your\u00a0business to\u00a0avoidable\u00a0consequences.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/lareau.ca\/entreprise\/construction\/\"><span data-contrast=\"none\">Construction insurance is one of our areas of expertise at Lareau.<\/span><\/a><span data-contrast=\"auto\">\u00a0We\u00a0support\u00a0contractors\u00a0in\u00a0analyzing\u00a0their\u00a0real\u00a0risks\u00a0and\u00a0<br \/>\n<\/span><span data-contrast=\"auto\">making\u00a0sure\u00a0their\u00a0coverage\u00a0evolves\u00a0with\u00a0their\u00a0business,\u00a0without\u00a0<br \/>\nunnecessary\u00a0extras.\u00a0<\/span><span data-contrast=\"none\">If you\u2019d like to learn more about your coverage,\u00a0<\/span><span data-contrast=\"none\">feel\u00a0free to <a href=\"https:\/\/lareau.ca\/en\/contact-us\/\">contact\u00a0our\u00a0team<\/a>.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In construction, being properly insured is not just about meeting requirements. It\u2019s about ensuring every project moves forward with a solid safety net aligned with real job site risks. The right adjustment at the right time, with the support of a specialized team, can make all the difference.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559740&quot;:300}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In brief, you\u2019re properly insured for a construction project when three key elements are in place:\u00a0 a\u00a0valid\u00a0RBQ licence\u00a0that\u00a0matches the\u00a0work\u00a0being\u00a0performed;\u00a0 liability\u00a0insurance\u00a0aligned\u00a0with\u00a0your\u00a0actual\u00a0activities;\u00a0 builder\u2019s\u00a0risk\u00a0insurance\u00a0that\u00a0protects\u00a0the\u00a0project\u00a0during\u00a0construction.\u00a0 \u00a0 If\u00a0any\u00a0of\u00a0these\u00a0elements\u00a0is\u00a0missing\u00a0or\u00a0misaligned, the job site\u00a0may\u00a0be\u00a0exposed\u00a0to\u00a0significant\u00a0financial\u00a0risks.\u00a0It\u2019s\u00a0also\u00a0important to\u00a0keep\u00a0in\u00a0mind\u00a0that\u00a0these\u00a0protections are\u00a0typically\u00a0the minimum\u00a0requirements\u00a0set by\u00a0authorities, not full\u00a0coverage.\u00a0 To\u00a0be\u00a0fully\u00a0protected,\u00a0it\u2019s\u00a0essential to\u00a0understand\u00a0the\u00a0role\u00a0of\u00a0each\u00a0element,\u00a0since\u00a0their\u00a0scope\u00a0is\u00a0not the\u00a0same.\u00a0Let\u2019s\u00a0start\u00a0with\u00a0the one\u00a0that\u00a0often\u00a0creates\u00a0the\u00a0most\u00a0confusion: the RBQ licence and bonding.\u00a0 \u00a0 Are\u00a0my\u00a0RBQ licence and bonding\u00a0enough\u00a0to\u00a0protect\u00a0me?\u00a0 &nbsp; No. An\u00a0RBQ\u00a0licence\u00a0and bonding are essential and\u00a0often\u00a0mandatory, but\u00a0they\u00a0do not [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":2395,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[564,595],"tags":[],"class_list":["post-2394","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-construction","sector-commercial","sector-construction"],"acf":[],"_links":{"self":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts\/2394","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/comments?post=2394"}],"version-history":[{"count":11,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts\/2394\/revisions"}],"predecessor-version":[{"id":4034,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts\/2394\/revisions\/4034"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/media\/2395"}],"wp:attachment":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/media?parent=2394"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/categories?post=2394"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/tags?post=2394"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}