Construction & Trades

Renovation Insurance in Ontario

Occupied homes, live systems, proper coverage.

Renovators work inside clients' lives: furniture, finishes, pets, and live plumbing and wiring all around the work zone. Dust, water, and fire exposures run higher than new construction, and insurers rate accordingly.

We arrange renovation packages that include the demo you self-perform and the trades you sub out — with certificates that satisfy both clients and lenders.

What the package includes

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

Good to know

Frequently asked questions

Does the homeowner's insurance cover my renovation work?: No — their policy covers their property, not your operations, and major renovations can even void their coverage if undeclared. Your CGL and installation floater carry the project risk; advise clients to notify their insurer too.
How much does renovation 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 renovation 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

Does the homeowner's insurance cover my renovation work?

No — their policy covers their property, not your operations, and major renovations can even void their coverage if undeclared. Your CGL and installation floater carry the project risk; advise clients to notify their insurer too.

How much does renovation 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 renovation 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.