裝修保險指南：您在 BC 省需要什麼保險？

為什麼裝修保險在 BC 省很重要

每年，不列顛哥倫比亞省的房主都會因裝修失誤而面臨意想不到的財務損失，這並不是因為承包商疏忽大意，而是因為沒有提供正確的保險。如果您沒有得到適當的保險，工人在您的財產上受傷、裝修區蔓延的火災或管道工程引起的管道爆裂都可能產生六位數的責任。

了解 BC 省的裝修保險並不復雜，但需要在簽訂合約之前檢查正確的事項。本指南解釋了四項重要的主要政策以及每項政策具體需要驗證的內容。

保單 1：商業一般責任 (CGL) 保險

它涵蓋什麼

CGL 保險（有時稱為承包商責任保險）可防止第三方因承包商工作造成的人身傷害或財產損失提出索賠。如果工人將工具從鄰居的天窗掉下來，如果管道破裂並淹沒下面的單元，或者如果結構錯誤導致您房屋的一部分無法居住，CGL 保險就是賠付的保單。

CGL 還涵蓋已完成的運營，這意味著如果損壞可追溯到承包商的工作，它可以對翻修完成後出現的索賠做出回應。

要驗證什麼

• 最低覆蓋範圍： 每次住宅裝潢花費$2 百萬。超過$300,000 的項目應有$5 百萬或更多。
• 保險證明（COI）： 請 COI，將您指定為保單的附加被保險人。這不僅僅是一份證書——它意味著如果保單失效，保險公司將通知您。
• 保單到期日： 確認該政策涵蓋專案的整個持續時間，而不僅僅是開始日期。
• 排除情況： 一些較便宜的保單不包括特定類型的工作（黴菌修復、石棉、結構變化）。如果您的裝修涉及其中任何一項，請確認它們已被覆蓋。

危險訊號

承包商若對提供 COI 猶豫不決、提供的保險保額低於$1 百萬、或其證書顯示房屋檢查員或勤雜工保險（而非承包商的商業保險），則屬於危險信號。 Metro 溫哥華 的合法裝修承包商持有標準 CGL 保單，每年費用為 $2,000–$8,000 — 這是開展業務的基本成本。

保單 2：WorkSafeBC (WCB) 保險範圍

它涵蓋什麼以及為什麼它會影響您

WorkSafeBC（BC 省相當於 WCB）為因工受傷的工人提供醫療費用、復健費用和工資補償。這聽起來像是承包商的問題，但作為房主，它直接影響到您。

根據不列顛哥倫比亞省的《工人賠償法》，如果受傷工人不在 WorkSafeBC 的承保範圍內，房主可被歸類為“委託人”，並承擔個人賠償費用。這意味著，如果未註冊承包商的工人在您的財產上摔斷了腳踝，您可能需要自掏腰包支付數萬美元的醫療費用和工資損失。

如何驗證 WCB 清關

不要接受口頭保證。請求一個 WorkSafeBC 授權函 — 承包商直接從 WorkSafeBC 取得的文件，確認其已註冊且信譽良好。您也可以使用承包商的帳號在 worksafebc.com 上進行線上驗證。

許可函的日期應在專案開始後 30 天內。對於較長的項目，請每月要求更新的許可函—如果不支付保費，註冊可能會失效。

獨資經營者和分包商

請注意：BC 省的獨資經營者可以選擇退出個人 WorkSafeBC 保險。如果您的承包商以獨資經營者身分經營並選擇退出，他們個人就沒有保險 - 而您仍可能承擔傷害責任。具體詢問：「您個人是否受到 WorkSafeBC 的保護？您的所有分包商是否都已註冊？」以書面形式取得答案。

保單 3：建築商風險保險

它涵蓋什麼

建築商風險保險（也稱為施工過程保險）保護施工期間的翻修工程本身—現場材料、在建工程和正在翻修的結構。它涵蓋火災、盜竊、故意破壞和某些天氣事件造成的損失。

Without builder's risk coverage, if a fire breaks out while your kitchen renovation | Cabinet Refinishing | Pre-Sale Renovation Advice is half-complete, you may be left with a partially demolished home and no coverage for the materials already installed or the construction materials waiting on site.

誰來承擔建築商的風險？

對於較大的專案（通常為 $100,000+），您的承包商可能會承擔涵蓋其所有活躍專案的一攬子建築商風險保單。對於較小的項目，您作為房主通常負責獲得建築商對您現有房屋保險單的風險認可。

每年的成本通常為裝修價值的 1-2%。對於$50,000 浴室改造，預計建築商在施工期間的風險承保範圍為$500–$1,000 。

當您需要時

• 外牆打開的結構翻修
• 材料在現場長期儲存的項目
• 裝潢價值超過$50,000
• 施工期間房屋將空置的項目

保單 4：裝修期間的房屋保險

通知要求

這是 BC 省房屋裝修中最常被忽視的保險問題。 在開始任何重大裝修之前，您必須通知房主的保險公司。 如果不這樣做，您的裝修相關索賠的承保範圍可能會失效，有時甚至整個保單也會失效。

大多數 BC 保險公司將「重大翻修」定義為任何涉及結構變更、電氣升級、管道改造或超過$10,000–$25,000. 的項目。我們的關鍵負載面板安裝服務可升級您的家庭電力容量以滿足現代化翻修需求。如有疑問，請在工作開始前致電您的經紀人。

裝修過程中會發生什麼變化

一旦您通知保險公司正在進行翻修，可能會發生以下幾種情況：

• 空缺條款： 如果房屋在裝修期間連續 30 天以上無人居住，您保單的空置條款可能會限制承保範圍或導致承保範圍失效。您需要空置許可證或建築保險來填補空缺。
• 責任缺口： 有些房屋保單不包括建築活動的責任。您的承包商的 CGL 應涵蓋這一點，但要確認沒有差距。
• 覆蓋限額增加： 經過重大裝修後，您房屋的重置價值會顯著增加。完成後更新您的承保限額 - 否則您將在全損索賠中投保不足。

裝修後政策更新

裝修完成後，安排與您的家庭保險經紀人通話以審查和更新您的保單。 $150,000 廚房和浴室翻新可以使您房屋的重置價值增加$200,000 或更多。未能更新您的承保範圍意味著您的保單不會支付災難性損失的全額替換費用。

簽署裝修合約前的保險清單

物品	要求什麼	最低標準
中聯保險	指定您為附加被保險人的保險證明	每次出現$2M
不列顛哥倫比亞省工作安全局	30天內的清關信	已註冊 & 信譽良好
建造商的風險	確認誰攜帶它 - 承包商或房主	完整的項目價值
您的家庭保險	工作開始前通知您的經紀人	空缺條款已審核
分包商	確認承包商的保單涵蓋所有潛水艇	與總承包商相同的標準

危險信號：承包商可能沒有保險或未註冊的跡象

• 不願意或延遲提供保險證明
• 已過期或顯示個人（非商業）保單的保單證書
• 無法出示 WorkSafeBC 帳號或授權函
• 報價比所有其他出價低 30–40%，且沒有明確解釋
• 要求全部以現金支付
• 沒有商業登記或許可證號碼（BC省的所有裝修承包商都需要）

《不列顛哥倫比亞省消費者保護法》要求裝修承包商必須在不列顛哥倫比亞省消費者保護協會註冊，合約金額超過$1,000. 您可以在consumerprotectionbc.ca 上驗證承包商的註冊情況。未註冊的承包商不會根據 BC 省的房屋裝修爭議解決程序為您提供任何保護。

Reno Stars 攜帶什麼

我們投保每次事故 $5 萬的全額商業一般責任保險，為所有工人和分包商維護當前的 WorkSafeBC 註冊，並在專案開始前向每位客戶提供保險證書。我們已在不列顛哥倫比亞省消費者保護局註冊，並樂意根據要求提供所有承保範圍的文件。

在簽署任何裝修合約之前，請檢查承包商的保險狀況。這是最重要的步驟之一 選擇溫哥華的裝潢承包商 ——驗證需要五分鐘。

準備好與完全保險的團隊一起開始裝修了嗎？ Reno Stars 免費估價 — 我們將在第一次會議時攜帶保險文件。規劃您的預算？我們的 廚房裝修費用指南 和 衛浴裝修費用指南 擁有真實的溫哥華定價數據來幫助您進行規劃。

Metro Vancouver homeowners increasingly include a heat pump HVAC upgrade in their renovation plans — these systems provide efficient heating and cooling year-round, and qualify for BC Hydro and CleanBC rebate programs.

For homeowners planning long-term or accommodating family members with mobility needs, accessible bathroom renovations — including grab bars, curbless showers, and slip-resistant flooring — are a smart addition to any major renovation project.

If you live in a strata property (condo or townhouse), review BC's strata renovation rules before starting work — many projects require strata council approval and must follow specific noise, hour, and contractor requirements.

Frequently Asked Questions

What insurance does a renovation contractor need in BC?

In British Columbia, renovation contractors should carry at minimum: (1) Commercial General Liability (CGL) insurance — $2M minimum for residential; $5M recommended and often required for strata/commercial projects. Protects you if the contractor damages your home or causes injury; (2) WCB (WorkSafeBC) coverage — mandatory for contractors with employees; protects against liability if a worker is injured on your site. Request a WCB clearance letter (clearanceletter.worksafebc.com) — it shows the contractor is in good standing; (3) Tools and equipment insurance — covers contractor's own tools; doesn't affect your claim but signals a professional operation. Reno Stars carries $5M CGL and active WCB coverage.

Does my home insurance cover renovation damage in BC?

Standard home insurance policies in BC have limited coverage for renovation damage. Most policies: DO cover accidental damage by the contractor (e.g., water pipe break) up to your policy limits; may NOT cover damage if the work was unpermitted (check your policy for "course of construction" exclusions); may REQUIRE you to notify your insurer before major renovations begin — failure to notify can void coverage. For major renovations ($50,000+), consider a Builder's Risk insurance policy (also called "course of construction" insurance) — $300–$800/year — covers materials, labour, and renovation-related damage during construction. Ask your broker.

What is Builder's Risk insurance and do I need it for my Vancouver renovation?

Builder's Risk insurance (course of construction insurance) covers: materials on-site before installation, theft of materials and tools, fire or water damage during construction, and collapse or subsidence during building. For Vancouver renovations, it's recommended when: (1) construction value exceeds $50,000; (2) the home will be unoccupied during construction (standard home insurance may not cover unoccupied homes for more than 30–60 days); (3) significant structural work is involved. Cost: $300–$1,200/year depending on construction value. Reno Stars carries its own CGL but recommends clients obtain Builder's Risk for whole-house renovations — we can connect you with specialist brokers.

Am I liable if a contractor is injured at my Vancouver home?

In BC, if your contractor carries active WCB (WorkSafeBC) coverage, you are protected — WCB provides injury benefits to the workers and shields you from direct claims. If the contractor does NOT have WCB coverage, you could be liable for injury claims under BC tort law. Always verify WCB coverage with a clearance letter before any work begins. For subcontractors the contractor hires, the same applies — your contractor should be responsible for their subs' WCB. Personal service contracts (handymen, unlicensed individuals) are not covered by WCB — you assume liability for their injuries on your property.

What warranties are required by BC law for home renovations?

Under BC's Homeowner Protection Act and Residential Construction Performance Guidelines, newly built homes have mandatory warranty requirements, but there is no equivalent mandated warranty for renovations. However, Consumer Protection BC regulations require that contracts be clear about any warranty terms offered. Industry standard for Metro Vancouver renovation contractors: 1-year workmanship warranty, 2-year systems warranty (mechanical, electrical, plumbing), 5-year structural warranty. Older Metro Vancouver homes may also need our Poly-B Pipe Replacement service to eliminate unsafe plastic piping. Reno Stars offers a 3-year workmanship warranty on all completed projects — one of the strongest in Metro Vancouver. Get any warranty in writing, as verbal warranties are difficult to enforce.

See our verified five-star reviews from Metro Vancouver homeowners.

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Also see: renovation permits BC guide | renovation timeline guide | How to Finance Your Vancouver Renovation (HELOC Guide) | Renovation Financing Options | 2026 Vancouver Renovation Cost Guide | Pre-1980 Home Renovation Vancouver | Basement Renovation Vancouver

What BC warranty covers new home renovation workmanship and what are the limits?

BC's Homeowner Protection Act requires licensed residential builders to provide statutory warranty coverage on renovation projects over $10,000: 2-year warranty on labour and materials defects. 5-year warranty on building envelope defects (waterproofing, rain penetration, cladding). 10-year warranty on structural defects. These warranties are required by law — a contractor cannot waive them by contract. For defects covered by warranty, the homeowner files with the contractor first. If unresolved within 15 days, they can register a warranty claim through the BC Housing Warranty Registry or pursue the Civil Resolution Tribunal (under $35,000).

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See Also — Renovation Cost Guides

• Basement Renovation Cost Vancouver — average $20K–$80K
• Whole House Renovation Cost Vancouver — average $50K–$300K+
• Cabinet Refinishing Cost Vancouver — from $4K for refinishing

Related Renovation Guides

• Renovation Cost Vancouver 2026 — understand renovation costs
• Vancouver Renovation Tax Credits & Rebates — financial incentives
• DIY vs Contractor Vancouver — when to hire a professional