Aviva Enterprise

Contractor’s and Builder’s Risk

Aviva Enterprise is a streamlined business insurance solution that’s flexible for contracting businesses and provides options for blanket or single construction. No matter the size of the business or project, coverage is adaptable and tailored to offer customers the protection they need.

Aviva Enterprise provides protection for contracting clients’ physical assets, business income and liability exposures. Customized coverages are available for a wide range of construction trades.

Inclusions Checklist

Property
•  Accounts receivable

•  Buildings

•  Extra & expediting expenses

•  Installation floater

•  Office contents & equipment

•  Utilities above & below ground
Liability
•  Contractors’ E&O liability

•  Contractors’ pollution E&O liability

•  Coverage for damage to work in progress

•  Employee benefits E&O liability

•  Employers’ liability

•  Employers’ liability for Canadian resident employees

•  Pesticide applicator’s pollution liability

•  Product & work removal expense (rip & tear)

•  Umbrella

Auto – IRCA & fleet policies
Builder’s risk & wrap-up policies
Contractor’s equipment
Crime
Equipment breakdown
Cyber coverage
(Aviva Cyber Suite)

Exclusion Checklist

Blasting
Building demolition, moving, or raising
Defective products & work removal
Gas mains & meters work
Hot work
Removal or weakening of support
Underground property
Uninsured subcontractors
Vibration

Additional exclusions may apply, and some exclusions may be available as a buy-back option.

At Aviva Canada, we offer insurance solutions for contractors with a diverse range of operations - from small, which fits within our Aviva Ally quoting tool, through to Middle Market. Within our Aviva Middle Market Solutions, contractors are one of our three primary segments, supported by dedicated teams, underwriters, and specialists in every branch across Canada. We’re committed to helping our brokers grow through new business opportunities.

We have the expertise to grow in selected target classes such as: new building construction, cement and concrete work, civil work (highway, street road construction), excavation, sewers and water mains, electrical contractors, structural or non-structural iron, or steel erection.

As part of our broad product offering, we also provide optional coverages such as: contractors extended errors and omissions (E&O), contractors equipment breakdown, difference in deductible for both property and liability, product and work removal expense, and business income extended to the job site.

As part of our value proposition we also offer Aviva Risk Management Solutions to help businesses mitigate risk and protect against claims from occurring.

Learn more at Aviva Canada

Product FAQ

What are the eligibility requirements for contractors?
The following are the core eligibility requirements to be met:
• Primary business must be contracting and located in Canada
• Any installation exposure in the U.S. must be incidental
• Have an acceptable claims experience
• 3 years in business or transferable experience
• Subject to standard underwriting practices
What are some market trends you’re seeing? How are you adapting?
COVID has impacted most businesses across Canada. While construction is largely still able to continue, we know that the cost of materials is increasing, and projects are taking longer to complete. At Aviva, we have tried to remain as flexible as possible for customers which have been impacted by COVID and may need to amend the coverage they had initially purchased.
What’s your outlook for 2021 for construction?
The 2021 outlook for construction is positive for all segments. It is anticipated that the Government of Canada will invest in large-scaled projects in British Columbia, Quebec and Ontario. Residential, industrial, engineering and roadwork are expected to see the strongest upticks.

Disclaimer

Aviva and the Aviva logo are trademarks used under license by the licensor. The Aviva Enterprise policy and Aviva Cyber Suite are underwritten by Aviva Insurance Company of Canada. Aviva Cyber Suite is only available with an eligible Aviva Enterprise property policy. Terms and conditions apply. For more details about our offerings, please contact your Aviva Underwriter.