Wrap-Up Liability

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Victor’s Wrap-Up liability insurance protects the team involved in a construction project, such as owners, developers, engineers, architects, project managers and contractors, against third party and general liability exposures associated with their project — all with one policy for the project. There are numerous advantages to using Wrap-Up liability coverage on major construction projects, rather than relying on each contractor’s Commercial General Liability policy.


The following provides an example of those eligible for this coverage:

  • Owners and developers
  • General contractors
  • Project managers
  • Architects
  • Engineers

Coverage is available for the following types of projects:

  • Most building project types of fire resistive, non-combustible or masonry construction, provided the project value exceeds $5,000,000
  • Civil works projects, regardless of project value, involving construction of bridges, dams, sewers and watermains, etc.

Coverage Details

  • Policy Form – Occurrence
  • Policy Period – Usually for the full duration of the project. A specific period of Products and Completed Operations coverage applies thereafter, usually for a maximum of 24 months
  • Capacity – Limits up to $25,000,000 for projects in Canada valued up to $250,000,000; With respect to Products and Completed Operations, the limit of insurance is dedicated to the project and applies on the basis of an annual aggregate limit
  • Minimum premium – $5,000 for a $1,000,000 limit
  • Territory – Projects in Canada only

Policy Features

  • Coverage can be tailored to the particular project, insuring all project participants
  • Broad definition of insured
  • Third party exposure coverage for all participants (Cross Liability Clause)
  • Remedial work coverage for 365 days following policy expiry

Submission Requirements

Obtain a quote for Construction Small Projects using V2, our commercial insurance portal for brokers. Quote, bind and issue projects that meet the following criteria:

  • Total project cost up to and including $2,000,000
  • The project building is of steel on steel or better construction (note that projects on wood frame buildings are ineligible for coverage)
  • The project duration is no greater than 12 months