Renovating your home? Here’s what you need to know:

PROLINK Blog

Renovating your home? Here’s what you need to know:

July 24, 2018

In Canada, summer is synonymous with construction—both in our streets, and in our homes. The nice weather makes summer the opportune time to replace your windows, install a pool, or repair your roof.

A recent study showed that 74% of Canadians don’t bother asking for licenses when hiring a contractor, while 56% are under the wrong impression that their Home and Auto Insurance policy will cover accidents.

Since we're in high season for renovations, we want to make sure that you're aware of the potential risks you face when it comes to home improvement projects.

Any potential property damage or bodily injury would normally leave the general contractor liable. But if your general contractor does not have insurance, the onus is on you.

Not all contractors are mandated to carry worker’s  compensation. In that case, you could be accountable for their medical bills and more.

General Home Insurance policies will not cover you for damages caused by unlicensed contractors. You’ll most likely need Builder’s Risk Insurance instead.

Don't get caught unaware:

At PROLINK, we’ll take the time to review your policy thoroughly, making sure that you are protected from any exposures including common mishaps like theft and more.


PROLINK’s blog posts are general in nature. They do not take into account your personal objectives or financial situation and are not a substitute for professional advice. The specific terms of your policy will always apply. We bear no responsibility for the accuracy, legality, or timeliness of any external content.

Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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