Business Insurance
Contractors Insurance in Ontario
Contractors face a different mix of risks than office-based businesses: tools on the truck, project-site liability, sub-trades, hold-harmless contracts and clients who insist on $5M limits with additional insured wording. We build programs that match what the job actually requires.
- $2M / $5M CGL with proper wording
- Tools & equipment
- Course of construction (builder's risk)
- Wrap-up liability where required
Who this is for
- General contractors
- Skilled trades (electrical, plumbing, HVAC, roofing)
- Renovation & remodel contractors
- Custom home builders
How BrokerUnion helps
- Match wording to your project contracts
- Add tools, equipment and course-of-construction coverage
- Issue certificates same-day for new sites
- Coordinate with commercial auto and WSIB requirements
FAQ
Common questions
What CGL limit do GCs usually require?
$5M is the common floor on commercial projects; some municipal and ICI work asks for $10M with project-specific additional insureds.
Ready to talk contractors insurance?
A licensed broker will review your situation and walk you through your options. No pressure, no jargon.
More business insurance coverage
Commercial General Liability
Foundation coverage for any business.
Commercial Property Insurance
Building, contents, stock and the income they produce.
Professional Liability / E&O
Protection for the advice you sell.
Cyber Liability Insurance
When the breach happens, who picks up the phone?
Retail Insurance
Storefront, stock and customers.
Restaurant Insurance
Liquor, food, equipment and guests.
Manufacturing Insurance
Plant, stock, equipment and product.