Is my contractor's vehicle insurance sufficient for deliveries?

Your contractor's standard vehicle insurance may not be sufficient for construction deliveries to your Ottawa property - you need to verify they have proper commercial coverage.

Most contractors in Ottawa carry basic commercial vehicle insurance, but construction deliveries involve unique risks that require specific coverage. When materials are being delivered to your property - whether it's lumber for a deck, drywall for a basement renovation, or fixtures for a bathroom remodel - several insurance gaps can leave you exposed.

What Coverage Your Contractor Should Have

Your contractor needs commercial vehicle insurance that specifically covers construction deliveries and material transport. This should include coverage for damage to your property during delivery (like tire ruts in your lawn or damage to your driveway), liability for injuries that occur during unloading, and coverage for the materials themselves while in transit.

Many contractors assume their basic commercial auto policy covers everything, but standard policies often exclude coverage for materials being delivered or have limited coverage for property damage during delivery operations.

Ottawa-Specific Considerations

In Ottawa's winter conditions, delivery risks increase significantly. Frozen ground, snow removal, and ice create additional hazards. Your contractor should have coverage that accounts for seasonal delivery challenges common in our area - from Kanata to Orleans, contractors deal with narrow driveways, steep grades, and winter access issues that can lead to property damage.

What You Need to Verify

Ask your contractor for a Certificate of Insurance that specifically shows commercial vehicle coverage with delivery operations included. Contact their insurance company directly at the number on the certificate to confirm coverage is active and includes material deliveries to job sites.

Also verify that their coverage includes hired and non-owned vehicle coverage - many contractors use delivery services or rent trucks for larger deliveries, and you want protection if those vehicles cause damage.

Protecting Yourself

Consider having your contractor add you as an additional insured on their commercial vehicle policy for the duration of your project. This costs them very little but provides you direct coverage. Also, take photos of your property before deliveries begin - document your driveway, landscaping, and any existing damage.

Your homeowner's insurance may provide some backup coverage, but it's better to ensure your contractor has proper commercial coverage upfront rather than dealing with insurance disputes after damage occurs.

For major deliveries in Ottawa, especially in winter months or to properties with challenging access, discuss the delivery plan in advance and ensure all parties understand who's responsible for what types of damage.