Contractors Insurance in Ontario
Coverages designed to suit your company’s needs.
From small trades to general contractors, your work carries unique on-site risks. Our Contractors Insurance packages combine Commercial General Liability (CGL) with Tools & Equipment, Installation Floater, and Builders Risk/Course of Construction to protect your projects, people, and reputation.
Key Coverages
General Liability Insurance
Third-party bodily injury, property damage, completed operations.
Contractors Equipment
Mobile equipment, tools, and rented/leased equipment.
Installation Floater
Materials and fixtures while in transit, on-site, and awaiting installation.
Builders Risk / Course of Construction
Buildings while under construction, project materials, temporary structures, and scaffolding.
Wrap-Up Liability
Single project liability for owners, GCs, and enrolled subcontractors.
Commercial Auto & Non-Owned Auto
Protects against service-related claims.
Umbrella / Excess Liability
Higher limits over CGL/Auto Liability policies.
Pollution Liability (Contractors Pollution)
Sudden/gradual pollution, mold, asbestos (where eligible).
Surety Bonds
Bid, performance, and labour & material payment bonds.
Who It’s For
Common Claims Scenarios
- Stolen trailer of tools from a site (Contractor’s Equipment)
- Overspray or contaminant release (Pollution Liability)
- Windstorm damages partially installed materials (Installation Floater/Builders Risk)
- Water damage to a client’s property during a reno (CGL)
Risk Management Tips
- Maintain daily job logs and site photos
- Use lockable tool storage and GPS tagging for trailers
- Implement hot work permits and water shut-off/line testing protocols
- Require COIs and contracts with hold-harmless/indemnity and waiver-of-subrogation clauses
What We’ll Need for a Quote
- Business operations, years in trade, revenue, payroll, and subcontracting %
- Equipment schedule (values/serials), project values, typical job size and max job size
- Claims history (5 years), bonding needs, and certificate/contract requirements
Protect Every Project, Start to Finish
Contact us for a fast, tailored contractors insurance quote.
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