Course of Construction Insurance in British Columbia

Protecting Your Project, From Foundation to Finish, in B.C.

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COC
 Insurance

We are proud to offer you Western Coast Insurance Services:

  • Our trusted local expertise & flexible coverage options
  • Access to top Insurance partners to ensure you get the best option for your convenience
  • Reliable support whenever you need it – we’re here to help you every step of the way

 

Why We're the Right Choice for Your Business

As a Canadian company with a presence in your local community, we understand the challenges and risks you may be facing. We work with Canada’s leading insurance partners to get you the right coverage and value. 

With our local expertise and flexible coverage options, you can focus on growing your business while we work to secure the best solutions for your needs and help you protect what matters most.

Get a customized quote today and ensure your BC business is ready for the unexpected.

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).

Industries

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Construction & Trades

Construction and trade insurance helps protect builders, contractors, and tradies from losing money if things go wrong on the job or during a project.
Course of Construction covers a building from beginning to end of construction..

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Hospitality

Running a café, bar, restaurant, or hotel? Hospitality insurance is there to have your back when things don’t go to plan. Whether it’s a customer slipping, a fridge breaking down, or a fire in the kitchen, this kind of insurance helps keep your business running and protects your wallet.

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Professionals

If you're offering advice, services, or expertise—like a consultant, accountant, designer, or IT pro, Professional Services insurance is there to protect you if something goes wrong.
Maybe a client says your advice caused them a loss, or there's a mistake in your work, this insurance helps handle the legal costs and any payouts, so you’re not footing the bill.

Get started today

Appointments can be set up with our Western Coast business insurance representatives. We’ll even meet you wherever you conduct your business.

Call us today at
 1-888-517-7171

Monday to Friday 9:00 am to 7:00 pm - or - Saturday, 9:00 am to 5:00 pm

FAQs

Why do I need Course of Construction insurance in British Columbia?

Standard property insurance doesn't cover a building until it's finished. COC insurance protects your investment during the vulnerable construction phase.

Who typically needs to get Course of Construction insurance in BC?

Anyone involved in a construction project, like general contractors, developers, and even homeowners undertaking significant renovations, usually needs this coverage.

Does it cover delays in the project?

Generally, COC insurance doesn't cover delays directly, but if a covered peril causes damage that leads to a delay, there might be some related coverage for extra expenses.

How much does Course of Construction insurance cost in BC?

The cost varies based on factors like the project's value, the type of construction, the location (including potential weather risks in British Columbia), the duration of the project, and the coverage limits.

 

Why Western?

Why Choose Western Coast Insurance Services?

We’re not just your insurance provider — we’re your partner in protecting what matters most. Here’s why businesses across British Columbia trust us:

  • Expert Guidance: Our experienced advisors work closely with you to understand your needs and recommend the best coverage options.
  • Comprehensive Coverage: From liability to property insurance, we offer end-to-end solutions for businesses of all sizes.
  • Local Expertise: With deep roots in British Columbia, we understand the unique challenges businesses in the region face.
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Western Coast Insurance Services Ltd. is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.

1-888-517-7171
info@westerncoast.ca

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