Construction & Trades

Contractor Insurance in Ontario

One policy package for the job site, the truck, and the tools.

General contractors and subcontractors carry risk on every site: a third party gets hurt, a client's property is damaged, tools disappear from the truck overnight. Most GCs and commercial clients also won't let you on site without proof of liability coverage.

We build contractor packages around your trade mix, crew size, and the contracts you sign — so the certificate is right the first time.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Tools and equipment coverage, on site and in transit
Commercial auto for business vehicles
Installation floater / builder's risk for projects under way
Limited pollution liability for job-site contaminants

Good to know

Frequently asked questions

What liability limit do contractors need in Ontario?: Most residential work is written at $2 million CGL. Municipal, institutional, and larger commercial contracts commonly require $5 million — check your contract before you bid, and we'll match the certificate to it.
How much does contractor insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get contractor insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

More industries

Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

What liability limit do contractors need in Ontario?

Most residential work is written at $2 million CGL. Municipal, institutional, and larger commercial contracts commonly require $5 million — check your contract before you bid, and we'll match the certificate to it.

How much does contractor insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get contractor insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.