Spring signals the start of peak construction activity across Ontario. Crews mobilize, materials are delivered, and new projects move from planning to execution. But as activity increases, so does exposure.

Seasonal ramp-up often reveals gaps in coverage – particularly if your insurance program hasn’t been reviewed since last year.

Here’s what construction businesses should consider before projects hit full speed.

Increased Job Site Exposure

Spring job sites often face heightened vulnerability due to:

• Unsecured materials delivered early
• Partially completed structures exposed to weather
• Increased subcontractor traffic
• Equipment stored temporarily on-site

Theft of copper, lumber, and heavy equipment remains one of the most common claims in early-season construction.

Risk Mitigation Tip:
Install temporary fencing, lighting, and security cameras where possible — and confirm your equipment floater limits accurately reflect replacement values.

Builder’s Risk & Project Valuation

Material costs remain volatile. If your Builder’s Risk coverage was set based on last year’s pricing, you could be underinsured.

Builder’s Risk policies should reflect:

• Current construction costs
• Soft costs, where applicable
• Delay in completion exposures
• Transit coverage for materials

Underreporting project values can result in coinsurance penalties at claim time.

Subcontractor & Contractual Liability

Spring typically means onboarding new subcontractors. Failing to collect updated Certificates of Insurance or verify limits can expose your company to unnecessary risk.

Ensure:

• Subcontractors carry adequate CGL limits
• You are listed as Additional Insured where required
• Contracts are reviewed for indemnification clauses
• Wrap-up liability policies align with project scope

A contractual risk review at the start of the season can prevent costly disputes later.

Weather-Related Risks

Spring storms can bring:

• Heavy rainfall
• High winds
• Flooding of excavation sites
• Damage to partially enclosed structures

Review coverage for:

• Overland water
• Equipment breakdown
• Installation floater exposures

Proactive planning can reduce delays and financial strain if weather disrupts operations.

Spring Construction Insurance Checklist

✔ Update project valuations
✔ Confirm equipment schedules
✔ Collect updated Certificates of Insurance
✔ Review contract requirements
✔ Assess weather-related endorsements

Construction season moves quickly. A pre-season insurance review ensures your coverage is as solid as the structures you’re building. Before your projects ramp up, make sure your insurance program is keeping pace. Connect with McFarlan Rowlands today for a comprehensive coverage review and ensure your business is protected from the ground up.t.