Contractors · Renovators · Trades
Insurance for contractors and trades in the GTA
Most jobs in the GTA will not start until you show a certificate of insurance. I make sure your liability, tools and vehicles are properly covered and that certificates are turned around quickly.
Who we insure
- General contractors
- Renovators
- Electricians
- Plumbers
- Roofers
- Painters
- Drywall
- Flooring
- Landscapers
- Carpenters
- Masonry
- Concrete
Coverage for contractors & trades
Commercial general liability
Responds to third-party bodily injury and property damage claims arising from your operations, subject to policy terms.
Tools and equipment
Covers your tools and equipment on the job, in transit and in storage, subject to theft conditions.
Builders’ risk
Protects a project under construction or renovation against insured losses.
Commercial auto
Coverage for vehicles used in your business, from a single van to a fleet.
Contractors’ E&O
For contractors who also design or advise, responding to errors in that work.
Surety and bonding
Bid, performance and labour and material bonds for projects that require them.
FAQ
Questions I hear often
How fast can I get a certificate of insurance?
Once your policy is in place, we usually issue standard certificates quickly. Send the project details and the certificate holder name.
How much liability insurance do contractors need?
Many general contractors and property managers require a set minimum. We match your limit to the contracts you take on.
Are my tools covered in my truck overnight?
It depends on the policy. Many require tools to be in a locked vehicle or building, and some exclude overnight theft from vehicles.
Does my liability cover faulty workmanship?
Generally no. Liability covers resulting damage to others, not the cost to redo your own work.
From Katherine’s channel