• An exclusive service focused commercial general liability insurance facility designed for OIRCA roofing members that qualify.
  • Financially strong and secure insurance protection through Lloyd’s of London since 2005.
  • Designed for OIRCA members by Fenn & Fenn Insurance Practice Inc., an independently owned Canadian construction focused insurance brokerage.
  • Original program design reviewed and approved by OIRCA.
  • Fenn & Fenn Insurance Practice Inc. has represented the needs of many OIRCA members since 2005 and has been a member of OIRCA since 2003.
  • Over $250,000,000 in annual roofing receipts presently insured.


Coverage Features

  • High limits available exceeding $10MM per occurrence.
  • Limited Pollution liability (240 Hours discovery/240 Hours reporting exceeds Standard).
  • No General Aggregate Limit restriction.
  • Mould (Fungi/Fungal Derivatives) per claim coverage available starting at $250,000 each claim.  Higher limits are available.
  • Errors and Omissions coverage available, starting at $250,000 each claim.
  • Hook Liability Coverage included to a $100,000 base limit per accident.  Higher limits available.
  • Occurrence form wording includes coverage required by Standard CCDC 2, 2008.
  • Wrap-Up Difference in Conditions and Limits Contingency protection included.
  • No executed contract coverage restriction as contained in many policies.
  • No residential work exclusion.
  • No open flame/torch exclusion.
  • Coverage easily accommodates other business services such as general contracting, property holdings liability etc.


best in class Services offered to oirca members

  • Bonding – superior Bond servicing - we treat every OIRCA Bond request as urgent.
  • Online Certificates of Insurance save time - service available for standard certificates 24/7.
  • Commercial Property including project Installation coverage (Builder’s Risk coverage as required).
  • Automobile Fleet Insurance from leading Canadian insurers.
  • Umbrella and Excess Liability for added security/ peace of mind.
  • Contractor’s Professional Liability for those a little more involved in consulting and design – build services.
  • Legal Expense Insurance – including Contract Dispute/Debt Recovery presently at special OIRCA rates. 
  • Directors’ Officers’ Liability & Employment Practices Liability Insurance presently at special OIRCA rates.
  • Contract Review Services – risk and insurance focused - included at no additional fee.
  • Claims monitoring and advocacy.

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