Contractor Insurance in Ontario

Most projects and general contractors require $2M CGL; some ask for $5M. We'll match your limits to the contracts you actually bid on so you're never under-insured or overpaying.

With the right tools and equipment endorsement, yes, including at a storage unit and in transit. We build coverage that follows your tools wherever the job is.

Yes. We deliver same-day COIs to the party requesting proof, often the general contractor or property owner, so your start date isn't delayed waiting on paperwork.

Builders' risk covers a project under construction — materials, labour, and the structure — against fire, theft, and weather damage before it's finished. We arrange it per-project or on a blanket basis for contractors running multiple jobs.

Often not. CGL typically excludes damage to your own work, and faulty workmanship itself needs a professional or completed-operations response. We size the right cover so a callback doesn't become an uninsured cost.

Only when the policy extends to them, which it often doesn't by default. We add subcontractor coverage where required and confirm your subs carry their own so a sub's mistake doesn't land solely on you.

Yes. If you provide design, you carry professional risk that general liability excludes. We add professional liability for design-build trades so a design error claim is covered, not denied.

For contractors on many sites we set up a blanket additional-insured endorsement so each new job gets a COI fast, or per-project Certificates where a contract demands named parties. Either way, the COI goes out same-day.

With a tools-and-equipment endorsement, yes, including on site and at a storage unit, not just in your truck. We build coverage that follows your tools wherever the job is.