Construction delays can cost more than lost materials — they can drain your budget through loan interest, permit renewals, and professional fees. Soft cost coverage, available with Course of Construction or Builder’s Renovation insurance, protects you from these hidden expenses when delays strike, keeping your project and finances on track.

Thinking of renovating your home? Don’t assume your standard home insurance has you covered. Most Canadian home policies limit or suspend coverage during major construction—especially if your home is vacant for over 30–60 days or structural work is involved. Fire, theft, and water damage risks rise sharply during renovations, and without the right policy, a claim denial could cost you tens of thousands. Protect yourself with Builder’s Renovation or Course of Construction insurance before you start.