Report
When construction coverage crosses policy lines
Builder’s risk vs. Wrap‑up liability in Canada: coverage triggers, gaps & claim allocation for construction losses
Construction projects rely on several forms of insurance coverage that apply across different stages of a project’s lifecycle. Builder’s Risk (Course of Construction) typically protects the works while construction is underway, while Wrap-Up liability policies respond to third-party claims arising from the project. When damage occurs, however, determining which policy should respond to a claim is not always straightforward.
