Builder’s Risk

Totten Insurance Group provides Course of Construction insurance for a wide range of Canadian projects including:

  • Industrial
  • Civil (including Roads, Bridges, Tunnels, Highways, Dams, Sewers & Water Mains)
  • Commercial
  • Government (Schools, Hospitals, Public/Private JVs)
  • Utilities
  • Power
  • Mining
  • Pipelines
  • Hotels, Residential and Condos.

We have capacity to write up to $100 million+ on either Quota Share or a primary and excess basis. Totten's facility is backed by financially A+ rated (AM Best) insurers. 

Our standard Course of Construction forms includes the following features:

  • Full Limits for Flood and Earthquake
  • Replacement Cost Basis of Settlement
  • Margin of Profit for Contractors
  • Escalation Clause up to 10%
  • Soft Cost
  • Delay in Start-Up
  • Testing and Commissioning Endorsements
Includes Sub-limits For:
  • Temporary Structures
  • Transit
  • Extra and Expediting Expenses
  • Off-site Installations and Expenses
  • By-laws
  • Valuable Papers
  • Accounts Receivable
  • Off-premises Power
  • Professional Fees
  • Ingress/Egress
  • Civil Authorities
  • Fire Fighting Expense
  • Debris Removal
  • Permission for Repairs
  • 60-Day Notice of Cancellation
  • Offsite Storage Sub-limit
  • Permission for Occupancy
  • Severability of Interest
  • Deletion of Frost and Freezing Exclusion (if necessary)
  • Boiler and Machinery Coverage (not involving production machinery)

For new submissions please contact us toll-free at 1-888-868-8367 or email us at