Contractor Insurance

Insurance and Risk Management for Ontario Contractors: Electrical, HVAC, Plumbing, Carpentry, Painting, Landscapers and More

Basic business insurance and traditional Commercial General Liability (CGL) policies are not sufficient to protect contractors against the unique risks they face. In fact, some contractors face risks that are usually excluded from coverage in regular business insurance policies.

Some insurance companies will simply not insure certain types of contractors or certain types of jobs. Others choose not to insure contractors that do more than a certain amount of business via sub-contractors …

… and, to top it all off, some of the insurance companies that do insure your type of business may not offer all the coverages that you specifically need.

So, doesn’t it make sense to work with insurance advisors who specialize in your industry?

Our dedicated Contractor Insurance Specialists can tailor insurance coverages and risk management solutions to meet your most challenging business risks, including:

Protection for:

  • Your building and contents, including computers and software
  • Your equipment and tools
  • Installations (to protect the value of labour and materials of work in progress)
  • Your business income (including rental income)
  • Your commercial vehicles

Also, protection …

  • Against liability exposures, including liability for vehicles you don’t own
  • Against even more liability exposures (with a Commercial Umbrella)
  • Against crime (and not just for theft and vandalism)


  • Equipment Breakdown coverage

We offer risk management tools and insurance protection for the following types on contractors:

  • Electrical
  • Plumbing
  • Heating / air conditioning
  • Carpentry
  • Tile work
  • Painting and decorating
  • Landscapers
  • Janitorial
  • Plastering / drywall
  • Grading of land
  • Swimming pools
  • Sheet metal
  • Masonry
  • Bricklaying
  • Shingleroofing

What sets us apart?

Dedicated contractor insurance advisors.

By focusing just on your industry, our Contractor Insurance Specialists are able to invest a considerable amount of time and resources learning about your industry and researching insurance products designed for contractors.

The result is a win-win situation where we benefit from the opportunity to do business with you, and you benefit from our focused expertise. If you would like additional information or a quote, just go ahead and contact us.