Road Constructors Contractor Insurance

Road constructors contractor insurance also known as general liability insurance for road construction companies is an insurance coverage that provides financial protection to contractors in the event they cause damages, losses, or injuries to their clients of third parties.

road constructors contractor insurance

We recommend of having at least $2,000,000 worth of coverage. Rates starting at $1000 for the year!

What Road Constructors Need To Know About Insurance

As a highway, street and road contractor in Canada, you probably already know that there is a huge demand for your skills. Infrastructure always wears down and needs repaired or replaced from time to time. This is where you and your team of highly trained employees can come in handy.

Whether you are repaving a road or simply just filling in a pothole, you and your employees are going to be exposed to some very unique risks. You always run the risk of injuring a driver or their property. This is why it is important to make sure that you are protected with general liability road construction insurance.


How Insurance Protects You

The unique thing about road construction is that you are at the mercy of the driver. And, you probably already know just how bad some drivers are. When you are working out on the road if a driver claims that you caused them to wreck they are going to come to you seeking compensation. Maybe you are at fault, but maybe you are not at fault. If the driver decides to take the case to court, you are going to be looking at an expensive situation. This is where road construction insurance will protect you. It will cover the court costs, lawyer fees and the settlement if you lose. This policy also protects you if you cause a driver bodily harm or damage their property.


What Will I Pay for Liability Insurance?

The cost for road construction insurance will be different for every road construction company. And, this is because there are no two companies with the same unique needs. Some companies take on larger jobs, some companies have more employees and some companies have been in business longer than others. All of these things can factor into your overall cost for this policy. Even the number of claims that you have previously filed can come into play. That being said, most road contractors can expect to pay anywhere from $1,000 to $2,000 a year for this type of coverage.

contractors working on a road in milton ontario


How Much Insurance Is Needed?

It will be imperative to make sure that you get the right amount of coverage. Without the right amount of coverage you might end up paying for half of the incident out of your own pocket. Medical bills and property damage can add up quickly. And, this is not to even mention the costs if the case goes to court. This is why any expert would suggest acquiring at least $2,000,000 policy.


We Can Help

When it comes to general liability road construction insurance in Canada, you no doubt have tons of providers available to you. However, if you want to be safe you really should get your insurance with us. We are an insurance provider that specializes in this specific field. We have a unique understanding of the road construction industry and we know the exact risks that you and your employees are exposed to on a daily basis. We already have built several customized policies to protect many companies in the area and you should let us protect your company as well.

You can start by clicking below to apply for a quote!

get a contractor liability insurance quote


We can also provide a construction bond for road construction contractors in the event a bid or tender requires a financial guarantee in place.

Types of Construction/Contract Bonds we provide:


Frequently asked questions


Other Types of Contractors We Commonly Insure