CMB Insurance Brokers
  • Business
    • Overview
    • Trucking
    • Oil & Gas
    • Construction
    • Manufacturing
    • Forestry & Land Products
    • Taxi, Limousine & Bus
    • Real Estate & Property Management
    • Professional Services
    • Retail Services & Hospitality
    • Small Business Insurance
  • Personal
    • Overview
    • Home Insurance
    • Condo Insurance
    • Tenant Insurance
    • Car Insurance
    • Motorcycle Insurance
    • ATV Insurance
    • Boat Insurance
    • Trailer Insurance
    • Motorhome Insurance
    • Farm Insurance
    • Umbrella Liability Insurance
  • Products
  • Solutions
    • Overview
    • Premium Financing
    • Group Benefits
    • Safety & Compliance
    • Equipment Financing
    • Claims Handling
    • US Insurance Solutions
  • About
    • About Us
    • Edmonton
    • Grande Prairie
    • Red Deer
    • Calgary
    • La Crete
    • Mango Insurance
    • Blog
    • Careers
    • Contact Us

780.424.2727

EMAIL

Get A Quote
CMB Insurance Brokers
  • CMB Insurance Brokers
  • Business
    • Overview
    • Trucking
    • Oil & Gas
    • Construction
    • Manufacturing
    • Forestry & Land Products
    • Taxi, Limousine & Bus
    • Real Estate & Property Management
    • Professional Services
    • Retail Services & Hospitality
    • Small Business Insurance
  • Personal
    • Overview
    • Home Insurance
    • Condo Insurance
    • Tenant Insurance
    • Motorcycle Insurance
    • Car Insurance
    • ATV Insurance
    • Boat Insurance
    • Trailer Insurance
    • Motorhome Insurance
    • Farm Insurance
    • Umbrella Liability Insurance
  • Products
  • Solutions
    • Overview
    • Premium Financing
    • Group Benefits
    • Safety & Compliance
    • Equipment Financing
    • Claims Handling
    • US Insurance Solutions
  • About
    • About Us
    • Edmonton
    • Grande Prairie
    • Red Deer
    • Calgary
    • La Crete
    • Mango Insurance
    • Blog
    • Careers
    • Contact Us
Get A Quote
CALL US 780.424.2727
EMAIL

Road Building Contractor’s Insurance

As a road building contractor, insurance is essential for protecting you against the unique risks associated with your trade. From grading to paving, protect yourself from potential liabilities such as third-party injuries and property damage.

Proper insurance coverage is vital in the Edmonton Road Building, Grading and Paving industries

Too often, insurance providers offer standard, packaged solutions they assume will work for all contractors. Our specialists in construction risk will work with you to review your portfolio, identify any associated exposures and draw up a custom solution that’s suited to your unique needs. Whether you are a tradesperson working alone, a large construction firm or an independent engineer/architect, our over 30 years of in-depth experience in working with the contracting industry have given us the unique expertise to craft coverage that’s specific to you and your business.

Why do I need Road Building Contractor’s Insurance?

Protection for property, tool, supply and equipment
losses due to fire, vandalism, theft and more

Protection for equipment breakdowns

Protection for liability losses due to injury or third-party property damage
Protection for errors and omissions
Protection for loss of income

due to business interruption and more

Protection for automobile losses due to accidents and vandalism

Protection for cyber losses

due to data loss, credit card breach and other digital threats

get a quote

Road Building Contractor’s face unique risks

As a road building contractor the risks you face are unique to you and your insurance should reflect that. Road Builder’s Insurance will provide coverage for anything from property damage and injury to theft of tools.

Property Exposures:
  • Property exposures at the road contractor’s own location are usually limited to an office and storage of material, equipment, and vehicles.
Inland Marine Exposures:
  • Inland marine exposures are from accounts receivable, construction equipment, materials in transit, installation floater, and valuable papers and records.
  • Construction equipment is heavy and difficult to transport. The training of drivers and haulers, especially with respect to the loading, tie-down and unloading, is important to avoid damage to bulky equipment due to overturn or collision.
  • At the job site, hazards come from uneven terrain; tools and equipment may be damaged due to dropping and falls from heights, or being struck by other vehicles. Materials and equipment left at job sites may be stolen or vandalized unless proper controls are in place.
  • The accounts receivable exposure could be significant if payments are made via installments throughout the course of the project.
  • Valuable papers and records usually consist of custom project plans. Copies should be kept at an off-site location for easier restoration.
  • Jobs may involve placement of large pre-cast concrete deck segments manufactured off site, transported to the job, and lifted up onto bridge piers or other structures with a crane. Resulting hazards include instability due to overload, wind velocity, causing possible damage to both the crane and the building materials.
Occupier’s Liability Exposure
  • Occupier’s liability exposure is low at the contractor’s premises since visitor access is limited, but equipment stored in the open may present an attractive nuisance to children.
  • At job sites, the operation of heavy machinery and asphalt plants presents numerous hazards to the public and to employees of other contractors.
  • Road contractors must contend with vehicular, bicycle, and foot traffic.
  • The smoke, dust and noise generated by paving operations are often nuisance hazards.
  • The uneven ground, hot tar, and heavy machinery may result in serious injuries to passers-by and motorists, as well as property damage to adjacent vehicles, buildings and residences.
  • Grading and trenching may result in damage to underground lines or piping, some of which may be catastrophic.
  • Serious traffic accidents may occur in the absence of an appropriate barricading system and clear marking of streets and roads that are closed. The party responsible for warning signs, barricades and other precautions for drivers must be spelled out in any contract.
  • If the insured does road work on bridges there may be hazards to persons and property due to falling objects. Work near water also poses unique hazards.
Completed Operations Liability Exposures
  • Completed operations liability exposures can be very high. Attention must be made to the set and curing of the roadbed to ensure a solid foundation. The mixture of the cement and concrete and the materials used to harden and cure must meet the specifications regarding strength and hardness for the end use of the construction project.
  • If the roadbed cannot support the required traffic, the entire road may shift or collapse. On bridges, underpasses and viaducts, this may result in severe consequences. On a land road, cracks or potholes may cause vehicle damage, traffic accidents, and expensive repairs.
Workplace Safety Exposures
  • Workplace safety exposures can have many high potential loss opportunities. The most obvious potential for injury comes from vehicles during work on existing roads. Serious injuries or even fatalities may occur in the absence of an appropriate barricading system and clear marking of streets and roads that are closed.
  • This type of operation has exposure to burns, chemical applications, smoke and fumes, back injury, hernia, sprain and strain and other lifting injuries.
  • Cumulative exposure to the high-decibel operations may result in permanent hearing impairment.
  • The use, misuse, maintenance, and transport of large, heavy machinery present unique hazards that need review.
  • Digging and grading of land may result in injury from underground electrical cable or gas lines.
  • Work on viaducts, bridges, and ramps may involve some work at heights, with trip and fall hazards. Work over or near water and waterways poses significant exposures.
Automobile Exposures
  • Automobile exposures are high and road time can be extensive. Serious property damage or injury to passing pedestrians or motorists or to employees of other contractors can arise during loading and unloading of equipment and materials. Similar hazards are posed if trucks are used for grading of land or dump trucks are used for hauling sand and gravel.
  • Long drives with oversized equipment may lead to driver fatigue and resulting accidents.
  • For long-term projects away from home base, personal use of company vehicles poses a concern. Similarly, employees may use their own vehicles on company business for long periods, especially to transport crews to the job site.
Environmental Impairment Liability Exposures
  • Environmental impairment liability exposures may arise from the waste generated in the fueling and cleaning of heavy equipment. Allowing waste to accumulate either at the job site or in the contractor’s yard could cause a severe environmental impairment situation. The insured must use safe methods to collect, transport, and dispose of the waste.
Professional Liability Exposures
  • Professional liability exposures arise not only from the design of the project, but also from the interpretation by the insured’s engineers. Many contractors have engineers who do incidental draft work, such as water drainage channels or changes needed due to unexpected situations at the job site such as unusual land features or incorrectly marked electrical or gas lines. Quality control is an important factor, including documentation that specifications were followed and that the work was inspected and accepted by the customer.
get a quote

What types of Business Insurance do I need?

There are many types of insurance policies that our experts can advise you on and package to meet your specific needs, such as:

Commercial General Liability

Commercial Property
Insurance

Business Interruption
Insurance

Pollution Liability Insurance

Professional Liability Insurance

Product Liability Insurance

Equipment Breakdown Insurance

Commercial Auto Insurance

Cyber Insurance

Business Insurance

  • Trucking
  • Oil & Gas
  • Construction
  • Manufacturing
  • Forestry & Land Products
  • Taxi, Limousine & Bus
  • Real Estate & Property Management
  • Professional Services
  • Retail Services & Hospitality
  • Small Business Insurance

Insurance Products

  • Surety and Bonding
  • Crime Insurance
  • Cyber Insurance
  • Directors and Officers Insurance
  • Errors and Omissions Insurance
  • Builders Risk Insurance
  • Equipment Breakdown Insurance
  • Contractors Equipment Insurance
  • Employment Practices Liability Insurance
  • Commercial Auto Insurance
  • Commercial General Liability Insurance
  • Commercial Property Insurance
  • Business Interruption Insurance
  • Product Liability Insurance
  • Commercial Umbrella Liability Insurance
  • Completed Operations Insurance
  • DCPD Insurance

Solutions

  • Premium Financing
  • Group Benefits
  • Safety & Compliance
  • Equipment Financing
  • Claims Handling
  • US Insurance Solutions

About CMB

  • About Us
  • Contact Us
  • Careers
  • Blog
  • CMB Insurance Edmonton
  • CMB Insurance Grande Prairie
  • CMB Insurance Calgary
  • CMB Insurance Red Deer
  • CMB Insurance La Crete
  • Mango Insurance

Contact

24/7 claims line: 1.877.318.5117

Edmonton Office:
Phone: 780.424.2727
Fax: 780.424.4612
info@cmbinsurance.ca
#201, 1430-91 Street SW
Edmonton, AB
T6X1M5

Grande Prairie Office:

Phone: 780.424.2727
#104, 11039 – 78Avenue
Grande Prairie, AB
T8W 2J7

La Crete Office:

Phone: 587.771.2727
Location coming soon!

Calgary Office:

Phone: 587.943.3720
Cell: 403.975.7318
10768 74 St SE
Calgary, AB
T2C 5N6

Red Deer Office:

Phone: 587.797.4110
#225, 5114-58 Street
Box 89 Red Deer, AB
T4N 2L8

Mango Insurance:
Phone: 587.430.3010
policy@mangoinsurance.ca
225 Manning Rd NE
Unit 203
Calgary, AB
T3N 1W2

Careers at CMB | Follow CMB:

© 2025 CMB Insurance Brokers. All
Rights Reserved.
Terms, Conditions and Disclaimer
Privacy Policy

© 2025 CMB Insurance Brokers. All
Rights Reserved.
Terms, Conditions and Disclaimer
Privacy Policy