Business Insurance
Insurance and risk management for Ontario contractors.
Electrical, HVAC, plumbing, carpentry, painting, landscaping, and more — if your work happens in other people's homes and buildings, your insurance has to keep up with your contracts. Basic business policies and standard commercial liability often exclude the exact situations contractors get hired into: work by subcontractors, jobs above certain values, certain types of projects altogether.
What we sort out with you
- Commercial general liability that matches the work you actually do
- Requirements your clients and general contractors put in their contracts — including certificates, handled through our Request a Certificate page
- Tools and equipment
- The subcontractor question — who is covered, who isn't, and what paperwork protects you
Two doors
Use the quote for standard risks; book a consultation when a contract, a GC, or an unusual job is driving the requirement.
Online quotes are indications based on the information you provide. Your final premium and coverage are confirmed by the insurer after review, and your policy documents govern.