Find the best general contractor insurance rates for your company

KBD is a construction business insurance broker in Canada with 40+ years of industry experience.

We offer general contractor liability insurance, tool coverage, RBQ bonds and more to Quebec & Ontario based construction companies.

Comparing rates from Canada’s leading construction insurance companies
Construction business insurance coverage we provide
Liability

We provide GCs with liability insurance to cover your business in the event it causes third-party damage.

Property

Insurance for your tools, trucks, office contents, materials and buildings.

Specialty products

Bid bonds, performance bonds, installation floater and builder’s risk.

Speak with the same expert every time you call

Your own dedicated representative.

If you are looking for peace of mind and to save time – you need someone who knows how to handle your affairs. KBD provides each customer with the same dedicated commercial insurance expert to handle all your insurance needs.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get a general contractor insurance quote today

Contractors insurance FAQs

How much does construction business insurance in Canada cost?

The cost for a general contractor liability insurance policy can range from $1,000 per year for a one-person operation to millions of dollars for a large company like Pomerleau or Broccolini. The cost of your construction insurance policy depends on your annual revenue, your claims history and experience in the field.

What is “course of construction” insurance?

This is also referred to as “builder’s risk” insurance and it covers any project during the course of construction. It will cover your labour, cost of materials and construction material in transit.

Does KBD Insurance offer construction bid bonds?

Yes, we offer bid bonds for bigger projects through Intact Insurance. If a bid bond is required for a project, we require your financial statements and that your company is in good financial standing.

Does KBD offer general contractor online insurance quotes?

Yes, of course we do! The easiest way to get a quote online is to click the quote link on this page, answer the 10 questions, and then revise everything with one of our brokers. The process is quick and simple.

Are tools included in construction business insurance coverage?

They are not included automatically, but you can purchase the coverage as an add-on. If you have $10,000 in tools you can expect to pay between $250-300 per year.

How do I get a general contractor business insurance quote?

You can receive a quote by filling out our online form on our partner website, Intact Insurance, or you can call any general contractor insurance company in Canada (like KBD). Quotes usually take between 10-15 minutes to complete.

How do I buy an RBQ bond?

Every general contractor in Quebec requires an RBQ bond if they wish to work in a specific trade or sector. You can purchase a bond from insurance companies like Intact, Unique and Promutuel. These are all “broker companies” which means in order to purchase the RBQ product, you’ll need to go through a general contractor commercial insurance broker like KBD.

Does KBD offer construction performance bonds?

Yes, we offer performance bonds through Intact Insurance. This product also requires a copy of your most recent financial statements.

What's covered on a construction business insurance policy?

Some construction companies and general contractors only require general liability while others want full protection. Here is the extensive list of what’s covered on a GC insurance policy:

  • Construction liability insurance
  • Office contents
  • Builder’s risk
  • Installation floater
  • Tool floater
  • Automobile/truck

How can I lower my general contractor insurance cost?

  • Increase your deductible.
  • Avoid making small claims.
  • Educate your employees on risk management and workplace safety.
  • Shop your insurance every few years.

How much does construction business insurance in Canada cost?

The cost for a general contractor liability insurance policy can range from $1,000 per year for a one-person operation to millions of dollars for a large company like Pomerleau or Broccolini. The cost of your construction insurance policy depends on your annual revenue, your claims history and experience in the field.

How do I get a general contractor business insurance quote?

You can receive a quote by filling out our online form on our partner website, Intact Insurance, or you can call any general contractor insurance company in Canada (like KBD). Quotes usually take between 10-15 minutes to complete.

What is “course of construction” insurance?

This is also referred to as “builder’s risk” insurance and it covers any project during the course of construction. It will cover your labour, cost of materials and construction material in transit.

How do I buy an RBQ bond?

Every general contractor in Quebec requires an RBQ bond if they wish to work in a specific trade or sector. You can purchase a bond from insurance companies like Intact, Unique and Promutuel. These are all “broker companies” which means in order to purchase the RBQ product, you’ll need to go through a general contractor commercial insurance broker like KBD.

Does KBD Insurance offer construction bid bonds?

Yes, we offer bid bonds for bigger projects through Intact Insurance. If a bid bond is required for a project, we require your financial statements and that your company is in good financial standing.

Does KBD offer construction performance bonds?

Yes, we offer performance bonds through Intact Insurance. This product also requires a copy of your most recent financial statements.

Does KBD offer general contractor online insurance quotes?

Yes, of course we do! The easiest way to get a quote online is to click the quote link on this page, answer the 10 questions, and then revise everything with one of our brokers. The process is quick and simple.

What's covered on a construction business insurance policy?

Some construction companies and general contractors only require general liability while others want full protection. Here is the extensive list of what’s covered on a GC insurance policy:

  • Construction liability insurance
  • Office contents
  • Builder’s risk
  • Installation floater
  • Tool floater
  • Automobile/truck

Are tools included in construction business insurance coverage?

They are not included automatically, but you can purchase the coverage as an add-on. If you have $10,000 in tools you can expect to pay between $250-300 per year.

How can I lower my general contractor insurance cost?

  • Increase your deductible.
  • Avoid making small claims.
  • Educate your employees on risk management and workplace safety.
  • Shop your insurance every few years.