Contractors & Trades Insurance

Insure your business and your tools today.

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Ontario Contractors Insurance

Contractors & Trades Insurance Packages

commercial or residential construction and renovations

Everyday commercial insurance packages were not created with contractors and other trades in mind. Having insurance professionals that are well versed in the trades and insuring tools is more than an asset, it's a necessity in today's world.

Tools go missing from every job site, and more clients and contractors are requiring their subs have proper insurance as well. We have partnered with the best insurance companies in Canada to provide you with affordable premiums and packages that fit your company's needs.

We have access to insurance packages for your business that will include coverages from Commercial General Liability (CGL) & Tool Coverage to Machinery and Equipment Coverage. For this reason, it doesn't matter if you are operating a small one man business or a large construction company, we have the coverage options that will protect you and your business.

Coverage to Fit Your Company

The Contractors Packages will usually supply you with coverages such as:

Business Contents
Commercial General Liability (CGL)
Installation Coverage
Tools
Machinery and Equipment

Contractors packages can be customized to fit your needs. There are several additional coverage options to build the perfect insurance package for you:

Business Income - Profits
Crane Liability
Contract Penalty Coverage
Machinery and Equipment - Loss of Use
Property off Premises and in Transit

Contractors insurance coverage options

Commercial General Liability (CGL)

CGL insurance can protect you when your business is found legally liable. No one thinks that this could happen to them or their business, but a quick scan of news reports will show you that it happens often. Some types of liability exposures include Premises and Operations Liability, Products Liability, Complete Operations Liability, Personal Injury Liability, and many others.

Having the right insurance broker is very important in the business world. It could mean the difference between the business you operate and the business you used to operate.

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Machinery and Equipment Coverage

The machinery and equipment coverage is for your machines and equipment that have a value of more than $2,500 (Ex. Bobcats or backhoes) including Rented or Borrowed Equipment. This also means that if you have your backhoe stolen, there is coverage available for you to rent a backhoe until your replacement arrives.

Real Life Example

During excavation work for the construction of a parking lot, an excavation contractor locked up a brand new backhoe and left it on the work site at the end of the day. The next morning, the backhoe, valued at $58,000 was gone.

Coverage Purchased: Machinery and Equipment, including Replacement Cost and Loss of Use.

Final Loss Settlement Amount: $58,000 to replace the backhoe; $10,000 to rent backhoe until replacement arrived.