Ontario General Contractor Contractor Insurance
Protect your General Contractor business with Commercial General Liability Insurance built around the work you do. Humberview Insurance compares coverage options from multiple insurers to help you find the right fit for your business.
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.
General Contractor Insurance Claim – A Real World Example
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| Claim example is for illustration only. Coverage and claim outcomes vary based on the circumstances and policy terms, conditions, deductibles, limits and exclusions. | |||||||
Contractor Insurance FAQ
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Does a General Contractor Need Liability Insurance in Ontario?
Liability insurance is vital for general contractors in Ontario. It provides protection against claims of property damage or injuries to third parties that might arise during various construction projects. This insurance is essential in safeguarding your business against unforeseen liabilities.
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How Much is General Contractor Insurance in Ontario?
The cost of insurance for general contractors in Ontario depends on several factors, including the scale of your construction projects, and the specific risks involved. For an accurate quote that fits your unique business needs, it's best to consult with an insurance provider.
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Why Do Independent General Contractors Need Insurance?
Independent general contractors need insurance to mitigate potential risks and liabilities, such as accidental damage to third-party property or injuries to third parties. Insurance not only offers financial protection but also enhances your professional reputation and trustworthiness with clients.
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What Type of Insurance Does a General Contractor in Ontario Need?
In addition to general liability insurance, general contractors in Ontario should consider other types of coverage like equipment insurance, commercial vehicle insurance, and workers' compensation insurance. These insurance types ensure comprehensive protection for the various aspects of general contracting work.
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What is a Certificate of Insurance?
A Certificate of Insurance is a document that confirms your insurance coverage. It outlines important details of your policy, including the types and limits of coverage. This certificate is often a prerequisite for clients before engaging in any construction work to verify that appropriate insurance is in place.
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Why Humberview for Contractor Insurance?
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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 coverage options from multiple insurance companies.
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Coverage That Fits Your Trade
Insurance tailored to your operations, equipment and business needs
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