Owners, contractors and design professionals

Each construction project draws upon the skill sets of a variety of specialists. From blueprint to inspection, you need to make sure that all the contractors and professionals involved in your business are protected. Zurich’s professionals, with extensive industry experience, try to understand the different roles in your business and the risks to which risks they are susceptible.

Why Zurich?

Zurich professionals combine their construction experience with insights gained from analyzing our claims data to create insurance solutions for construction risks. Additionally, we use predictive modelling to anticipate how the industry might change. Zurich Canada has access to global resources that can provide Canadian contractors with specialized policies in more than 200 countries and territories. 

guy at desk with hardhat

Solutions for owners, contractors and design professionals

General contractors

General contractors rely on trusted relationships to lead their construction projects. Work with one of the industry-leading insurance providers with the expertise and the capacity to help you navigate the solutions at various phases of your projects. Zurich’s integrated coverages draw from a broad range of products and services to help you address a variety of risks, including:

  • Pre-construction
  • Subcontractor selection and management
  • Quality assurance and quality control
  • Jobsite management
  • Multinational capabilities
Subcontractors are often required to finish a project, introducing a series of new risks. Subguard® is a risk management solution that helps construction contractors mitigate the risks of subcontractor or supplier default. Subguard® provides consistent coverage for the subcontractors on the project, while helping general contractors to regain control of their projects if a subcontractor defaults.

Trade contractors

Trade contractors bring unique sets of skills to each project. You need to make sure that trade contractors are protected with policies that cover the risks related to their practices. Zurich’s professionals, with extensive industry experience, specialize in the risk management needs of trade contractors.

Whether your trade is concrete, carpentry, electrical, HVAC, plumbing or anything in between, we can help you manage and mitigate risks, including those caused by:

  • Employee selection and orientation 
  • Quality assurance and quality control
  • Selecting and managing subcontractors

Design professionals

Design professionals can greatly impact the cost and duration of the project, making them susceptible to oversight risks. Many architects, engineers and design consultants work on overseas projects, which can carry a diverse set of risks from unfamiliar regulatory, legal and cultural differences.

Zurich is one of the design professional insurance providers that offers professional liability in conjunction with casualty, property, Subguard® and surety coverages. Our specialists try to establish trusted ties with design professionals in order to provide them with the best service.  

Zurich can help manage design professional risks with our specialized expertise including:

  • Understanding and managing professional liability risks
  • Claims and risk management services
  • Project-specific capabilities
  • Contract management and educational services
  • Multinational capabilities
  • Construction and design risk (C&DR) webinars and briefings
> Learn more about Zurich’s architect and engineering coverage 

Environmental contractors and consultants

The environmental impact of your construction project can be greatly impacted by regulatory policies and public perception. You need to manage your operations and plan for unpredictable complications. Zurich can help you conduct an assessment of your project to identify priority risk areas and help you recover from potentially hazardous events faster. 

Our dedicated specialists serve environmental contractors with a combination of traditional property and casualty insurance, as well as environmental coverages including:

  • Contractor’s pollution liability
  • Environmental services package
  • Environmental professional coverage
As one of the predominant insurance providers of environmental insurance, Zurich has the risk management expertise to provide stability through a broad suite of insurance forms available, including Zurich Environmental Emergency Response (ZEER). ZEER gives you direct access to a dedicated team of professionals experienced in the areas of environmental emergency response, investigation and remediation of accidental releases of hazmat and other regulated materials.   

> Learn more about ZEER

Zurich’s environmental construction contacts:

Western Canada 
Robert Pastushak
Senior Underwriter, Construction Environmental, Zurich Canada
(780) 429-6630

Project contractors or owner sponsors

At Zurich we offer a wrap-up liability policy for owners and contractors who sponsor programs for their enrolled contractors and subcontractors. Centrally managed with designated sites and defined work, Zurich’s wrap-up liability provides a consistent approach to risk management that helps create value through uniform safety practices and strong claims and litigation management to help reduce costs for project sponsors.

Zurich offers wrap-up liability as an alternative to traditional insurance programs to help you effectively manage the challenges you face as a project sponsor, including:

  • Continuity of coverage and availability of limits
  • Comprehensive risk services  
  • Quality management
  • Comprehensive claims management

Additional product solutions available to compliment your warp-up liability policy include:

  • Architects & engineers E&O: Offers insurance protection that covers losses arising out of the omission or negligent performance, or both, of professional services for which the designer is liable, whether self-performed or subcontracted.
  • Contractor’s protective professional indemnity (CPPI): Helps protect contractors for losses arising out of the negligent performance of professional services for which the contractor is liable, whether self-performed or subcontracted. Provided on annual or project basis. 
  • Owner’s protective professional indemnity (OPPI): Offers project dedicated professional liability insurance that helps protect the project owner from losses arising out of the architect's or engineer’s (A/E’s) negligence. With OPPI, the A/E’s policy is supplemented with a policy that provides limits that can only be eroded by claims from or against the owner.

Zurich is a recognized leader in providing project lifecycle solutions to address complex project delivery systems that often involve the financing, design, build, operation and maintenance of projects. We offer sophisticated risk management solutions such as:

  • Integrated project delivery: Zurich supports integrated project delivery with a coordinated multi-line insurance and risk management program. We can augment traditional liability coverages, such as professional liability, to provide protection to the project team. 
  • Public-private partnerships: Zurich’s integrated solution provides a broad array of products and service capabilities to help manage the risks associated with various stages and activities in the public-private partnerships lifecycle.

Knowledge Hub: Construction