Construction shaft

Construction & Surety

Construction and Surety

Providing creative solutions to manage traditional and evolving risks in the construction and contracting industry

We are well-positioned to provide support and professional insurance advice for any kind of construction project – big or small, private or public, owner or contractor or sub-contractor – on any or all of the related issues of the market regarding workers, facilities, equipment, structures, services, finance, and claims.

Our construction division, dedicated solely to the construction industry and established for more than three decades, is led by a team of highly qualified and knowledgeable professionals to design, secure and deliver with speed.

The team at HWI has the specialized knowledge required to address the unique insurance needs triggered by the dynamic risks of this sector.

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Some of the risks that we can advise you on

Surety Bond


HWI Canada is a national leader in Surety & Bonding. A surety bond is a three-party agreement that guarantees that debts are paid in the event that the principal fails to fulfill such obligations. Our experienced bonding professionals analyze your project and make recommendations as to the necessary bonds and then develop the best program for you

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Builders Risk Insurance

Also known as “course of construction”, is insurance designed to insure buildings or projects against repair or replacement costs while they are under construction and in some cases, for a period afterwards.

Building Pollution

Pollution Liability

HWI Canada writes pollution liability policies to protect against claims for third-party bodily injury, property damage or environmental damage resulting from their work. We are associated with specialized insurers and are proud to represent ENCON as an Esteem Broker.

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Wrap-up Liability

Wrap-Up Liability was developed to provide uniform coverage for all parties involved in a project. It allows coverage to apply to each insured separately and is widely used in construction contracts. The uniformity of coverage establishes consistency for the many parties and contractors. It also provides a uniform deductible that allows for greater ease when settling claims involving more than one party.


We can offer you the following cover

  • Business Interruption
  • Construction risks
  • Crime
  • Cyber
  • Director & Officers Liability (Public and Private)
  • Equipment Breakdown
  • General Liability
  • Marine
  • Professional Indemnity/ Errors & Omissions liability
  • Property (Commercial and Home)
  • Surety/Bonding
  • Terrorism
  • Trade Credit

For more information about how we can advise you