Builders (COC/Wrap-Up) Coverage

We’ve created the Builders Connection™ product with the wants and needs of those in construction projects specifically in mind. Bundling together coverages in one worry-free policy, Builders Connection includes commercial property, wrap-up liability, and business income.

A construction crew working on a building at dusk.

Unica’s Builders Connection is tailored for buildings such as:

Industrial Plazas
Office Buildings
Commercial or Retail Plazas
Institutional Buildings
Apartment Buildings
Condominium Buildings

Builders Connection was built with the ideal mix of coverages so you can focus on what matters most, building your business. With Builders Connection, enjoy Unica’s best-in-class protection with comprehensive coverage benefits such as:

Business Income
Reimburses you for the total amount of any insured Soft Costs or loss of Rental or Business Income resulting from Delayed Start-up, and includes Mortgage Rate Guarantee.
Equipment Breakdown
Protects against direct physical loss or damage to electrical and mechanical equipment caused by an accident while in normal operation after it is installed. Coverage may also be extended to testing of electrical and mechanical equipment.
Wrap-Up Liability
When selected with General Liability, covers the entire project, including the completed operations period that can be extended as required.
Builders Risk
Protects project owners’ and contractors’ (including subcontractors’) labour, equipment, temporary infrastructure, and building materials against common perils like fire or theft while a project is underway (CCDC compliant coverage).


At Unica, we’ve built our reputation by putting people first. We’ll handle your claim as quickly and as worry-free as possible.

From Partner to Policyholder

Because we value the way they work and we like the way their system is, we actually became a policyholder. And that speaks a lot–especially when I’ve been in the insurance industry for over thirty years.
Matt Molson | Owner of Leda Restoration

Find a broker in your neighbourhood.

Builders talking about Builders Risk and Wrap-up Coverage on the job site

What is Builders Risk and Wrap-Up Coverage?

Builders Risk and Wrap-Up coverage provides comprehensive property and liability protection for construction projects, covering potential risks from start to finish. This guide explains the coverage details, duration, and how to obtain this crucial protection for your construction needs.  ...
Read article - What is Builders Risk and Wrap-Up Coverage?