Provincial Construction Insurance Program

The Provincial Construction Insurance Program provides Course of Construction and Commercial General Liability – Wrap Up Insurance coverage for public sector construction projects. The program encompasses most B.C. government ministries, health care agencies, K–12 public school districts and public post-secondary institutions.

The following is a list of Risk Management Branch approved risk provisions (i.e., insurance, indemnification clauses, limitation of liability and contract security).  These are intended for inclusion in Owner developed supplementary general conditions for commonly used construction contracts.

For projects with an estimated construction value below $1 million please use the Contractor / Design-Builder / Construction Manager / Trade Contractor Insured Risk Provisions.

For major projects with an estimated construction value from $1 million up to $75 million, please use the Owner Insured Risk Provisions.

For projects exceeding an estimated construction value of $75 million, please reach out to your assigned consultant at the Risk Management Branch.

Provincial Government Ministries


Recommended risk provisions for Health Care Agencies are available on the Health Care Protection Program website.

Education (K-12)

Recommended risk provisions for BC School Districts and Francophone Education Authorities are available on the Schools Protection Program website.

Advanced Education (Post-Secondary)

Recommended risk provisions for Public Post Secondary Institutions are available on the University, College, Institute Protection Program website.