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.

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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.

Commercial General Liability	Tools & Equipment Insurance	Installation Floater
Third-party bodily injury and property damage liability	Protection for eligible contractor tools and equipment	Coverage for eligible materials before and during installation
Pollution Liability	Wrap-Up Liability	Crime / Employee Dishonesty
Coverage for eligible pollution liability exposures	Project-specific liability insurance for construction projects	Protection against covered employee dishonesty losses

Contractor Insurance Coverage FAQ

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.
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.
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.
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 Humberview for Your Contractor Insurance Coverage?

Why Humberivew for Your Contractor Insurance Coverage?

One Dedicated Broker

Work with the same licensed broker who understands your business.
Independent Since 1982

Serving Ontario businesses and contractors for over 40 years.
Multiple Insurance Markets

Compare contractor insurance coverage from multiple insurance companies.
Coverage for Your Trade

Insurance options based on your trade, operations and business needs.