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What is demolition insurance?

Demolition insurance or insurance for demolition contractors is a specialized coverage designed to handle the risks associated with tearing down commercial or residential buildings or structures. In Canada, anyone involved in demolition, whether you're a contractor or a property owner, is required to have this type of insurance as part of their trade. Demolition projects come with their own set of challenges, including heavy machinery, explosives, and a high risk of accidents. This insurance provides protection, ensuring that you aren’t personally liable for these potential risks. Demolition insurance makes sure you're not left personally liable if anything goes awry.

What demolition insurance includes

Demolition insurance is an umbrella term for a group of policies to address the hazards of demolition. Typically, it includes:

Recommended add-ons for demolition insurance

While standard demolition insurance offers strong protection, there are also some additional coverages that you should consider. These add-ons can further protect your business and your project:

Common types of demolition insurance claims

Demolition insurance exists because accidents happen. As a demolition contractor, some of the most common claims you may face include:

How much does demolition insurance cost?

The cost of demolition insurance varies widely, depending on several factors. As a demolition contractor, your premiums will depend on:

On average, demolition insurance costs between $1,500 and $10,000 per year, depending on the size and scope of your projects. Larger commercial demolitions could see even higher premiums. Always factor in these costs when bidding on a demolition job.

How to get the cheapest demolition insurance quote

You don’t have to break the bank for good demolition insurance. Here are some ways you can lower your premiums:

Demolition insurance in Canada: what you need to know

In Canada, demolition insurance is not just a nice-to-have; it's often required by law for demolition contractors.

Regulations: These vary by province, so it’s crucial to check your local requirements. For example, in places like Toronto or Vancouver, where property values are high and buildings are closely packed, the local government might impose stricter insurance requirements and coverage amounts, to protect surrounding properties.