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VICTORConstructionInsuranceProgram 

Insurance

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Build the Future, We Insure Every Step!

Each construction project comes with its own set of unforeseen events, responsibilities, and technical risks. Whether you’re a general contractor, a specialized contractor, or a project manager, comprehensive construction insurance is essential to protect your work, equipment, clients, and reputation.

The VICTOR Construction Insurance Program is designed to adapt to the complexity and diversity of projects, from the most modest to the most ambitious. Since 1972, VICTOR has acted as an underwriting manager for major projects across Canada, offering reliable, centralized, and easily accessible protection.

The experts at J. Gérard Fortin & Associés can guide you in selecting this program to optimize your coverage while simplifying your insurance management. It’s an essential safety net to get your projects back on track quickly in case of an incident, all while maintaining the trust of your clients and partners.

Comprehensive Coverage Tailored for the Construction Sector

In a field where every mistake can lead to costly delays, equipment breakdowns, or liability issues, it’s crucial to choose insurance that covers all aspects. The VICTOR program allows you to consolidate several essential protections under one umbrella, benefiting from a single point of contact for management and claims.

The experts at J. Gérard Fortin & Associés are here to help you identify the protections that suit your reality, regardless of the scale of your projects.

Key Protections Available in the VICTOR Program :

Construction Site Insurance

Protects work, materials, and equipment throughout the project’s lifecycle, including losses caused by fire, theft, or weather events.

Equipment Breakdown Insurance (Construction Site)

Covers equipment used on-site in case of sudden or accidental breakdowns, essential to prevent prolonged work stoppages.

Wood Frame Construction Site Insurance

Offers specific protection for wood-framed projects, with conditions tailored to this more sensitive type of construction.

Wrap-Up Insurance

A single policy that covers all participants in a project (general contractor, subcontractors, etc.), simplifying the management of claims and liabilities.

General Liability Insurance for Contractors

Covers bodily injury or property damage caused to third parties during the execution of work.

Pollution Insurance for Contractors

Protects against the consequences of accidental pollution caused by work activities, including cleanup costs and third-party claims.

TankGuard – Tank Liability

Provides specialized coverage for contractors installing or maintaining storage tanks, including pollution costs in case of leaks.

Frequently Asked Questions

Does the VICTOR program cover joint ventures or projects involving multiple contractors?

Yes, the program can be structured to accommodate projects carried out in partnership or consortium. A project analysis is necessary to determine the best coverage options.

Can warranty extensions be included to cover risks specific to our sector?

Yes, certain coverages can be enhanced with endorsements depending on the nature of the project (e.g., work in aquatic environments, excavation, etc.).

Does the program apply to major renovations as well, or only to new constructions?

The program can apply to both, as long as the work is declared and its nature meets the eligibility criteria. A broker will be able to verify the details with you before subscription.