Course of Construction Insurance in British Columbia

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Course of Construction Insurance (COC)

Also known as Builder's Risk Insurance, COC Insurance protects your British Columbia construction project including buildings and structures while they are under construction or renovation. It protects against  physical loss or damage to the property itself, as well as materials and supplies on site.

Here’s what COC insurance typically covers:

• The Building Under Construction: The partially completed structure itself, including foundations, walls, roof, etc.
• Materials and Supplies: Building materials, equipment, and supplies that are on the construction site, whether they are in place or waiting to be used.
• Temporary Structures: Buildings or structures erected temporarily on the site for construction purposes (e.g., scaffolding, temporary offices).

Common Covered Perils: COC policies typically cover a wide range of perils, similar to standard property insurance, including:

• Fire and Explosion: Damage caused by fire or explosions.
• Windstorm and Hail: Damage from strong winds or hail.
• Lightning: Damage caused by lightning strikes.
• Vandalism and Malicious Mischief: Damage intentionally caused by others.
• Theft: Loss of materials or equipment due to theft (subject to policy conditions).
• Collapse: Damage resulting from the collapse of the structure (under certain circumstances).
• Water Damage: Damage caused by burst pipes or other water-related incidents (again, subject to policy conditions).