Construction & Trades

Restoration and Remediation Insurance in Ontario

Coverage for the crews other people's claims depend on.

Restoration contractors work the aftermath of losses — flood, fire, sewage, mould, asbestos. The work is essential and the exposure is real: cross-contamination, incomplete remediation, and pollution claims that generic trade policies exclude.

We place restoration firms with markets that cover microbial and environmental work properly, including the E&O side of clearance and scoping decisions.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Mould, asbestos, and microbial remediation liability
Limited pollution liability for job-site contaminants
Professional liability (E&O) for claims arising from your advice or service
Tools and equipment coverage, on site and in transit
Commercial auto for business vehicles

Good to know

Frequently asked questions

Does standard contractor insurance cover mould work?: Almost never — fungal and bacterial exclusions are standard in base CGL wordings. Restoration work needs specific microbial coverage; doing mould jobs without it means working bare on your core service.
How much does restoration and remediation 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 restoration and remediation 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.

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Mould, asbestos, and microbial remediation liability

Limited pollution liability for job-site contaminants

Professional liability (E&O) for claims arising from your advice or service

Tools and equipment coverage, on site and in transit

Commercial auto for business vehicles

Frequently asked questions

Does standard contractor insurance cover mould work?

Almost never — fungal and bacterial exclusions are standard in base CGL wordings. Restoration work needs specific microbial coverage; doing mould jobs without it means working bare on your core service.

How much does restoration and remediation 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 restoration and remediation 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.