Contractor Insurance Coverage in Ontario
Understand the different types of insurance coverage available to Ontario contractors, from Commercial General Liability and tools coverage to installation floaters, pollution liability and more.
What Insurance Coverage Does a Contractor Need?
The insurance coverage a contractor needs depends on the trade, work performed, project size, equipment, employees and contractual requirements. Commercial General Liability Insurance is a core coverage for many contractors, while additional insurance may be needed for tools, materials, pollution exposures and larger construction projects.
Contractor Insurance Coverage Options
| Commercial General Liability | Tools & Equipment | Installation Floater |
|---|---|---|
| Protection against covered third-party bodily injury, property damage and related liability claims. | Protection for eligible contractor tools and equipment. | Coverage for eligible materials in transit, at the jobsite and during installation. |
| Wrap-Up Liability | Pollution Liability | Employee Dishonesty / Crime |
| Project-specific liability coverage for eligible construction projects. | Protection against covered pollution liability claims. | Protection against covered losses caused by employee dishonesty. |
Coverage availability varies by insurer, contractor trade, operations and eligibility. Coverage is subject to policy terms, conditions, limits and exclusions.
Contractor Insurance Coverage FAQ
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What insurance coverage does a contractor need in Ontario?
The coverage a contractor needs depends on their trade, operations, equipment and projects. Common coverages include Commercial General Liability, tools and equipment, installation floater and other specialized coverages.
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What does contractor insurance cover?
Contractor insurance as a core should be for commercial general liability for an appropriate limit. Other coverages exists to cover things like tools and other risks.
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Does contractor insurance cover tools and equipment?
Tools and equipment can be insured when appropriate tools and equipment coverage is included. Coverage can vary based on the type of equipment, where it is stored and how it is used.
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Do contractors need additional insurance for large construction projects?
Possibly. Larger construction projects may have additional insurance requirements, including higher liability limits, Wrap-Up Liability Insurance, Builders Risk or other project-specific coverage.
Why Humberivew for Your Contractor Insurance Coverage?
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One Dedicated Broker
Work with the same licensed broker who understands your business.
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Independent Since 1982
Serving Ontario businesses and contractors for over 40 years.
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Multiple Insurance Markets
Compare contractor insurance coverage from multiple insurance companies.
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Coverage for Your Trade
Insurance options based on your trade, operations and business needs.
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