Contractor Insurance in Ontario, Canada

Protection Built for Contractors

Whether you’re an independent tradesperson or run a construction company, working as a contractor comes with unique risks. From job-site injuries to property damage, even a small accident could result in big financial losses. At Solutions Insurance Group, we provide tailored contractor insurance to keep you, your tools, and your business protected.

🔎 What Is Contractor Insurance?

Contractor insurance is a package of coverages designed for those in the construction and trades industry. It protects your business, employees, tools, and liability on and off the job site.

Coverage may include:

• ⚖️ Commercial General Liability (CGL) – Protects against injury or property damage claims
• 🛠️ Tools & Equipment Coverage – Covers theft, loss, or damage to tools, machinery, and gear
• 🏗️ Contractor’s Equipment Insurance – Protection for heavy equipment such as loaders, excavators, or cranes
• 🏢 Commercial Property Coverage – Covers offices, warehouses, or storage units
• 🚚 Commercial Auto & Fleet Coverage – Insurance for trucks, vans, and vehicles used for business

📝 Is Contractor Insurance Mandatory in Ontario?

• By law: Contractor insurance is not legally required in Ontario.
• By contracts: Many project owners, municipalities, and clients require proof of liability insurance before awarding contracts.
• By lenders/lessors: Financing companies may require insurance for leased equipment or vehicles.

👉 While not legally required, contractor insurance is often necessary to work on projects and protect your business financially.

🌟 Types of Contractors Who Need Insurance

• General contractors
• Electricians, plumbers, and HVAC technicians
• Carpenters, roofers, and drywall installers
• Landscapers and paving companies
• Renovation and home improvement specialists
• Heavy equipment operators

🌟 Optional Coverages for Contractors

Depending on your work, you can add:

• Errors & Omissions (E&O) – Covers professional mistakes or design errors
• Business Interruption Insurance – Protects income if work stops due to a covered loss
• Pollution Liability – For contractors dealing with hazardous materials or fuel
• Cyber Liability – Protects against data breaches and online risks
• Installation Floater Coverage – Protects materials while in transit or awaiting installation
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🛡️ Why Get Contractor Insurance Through a Broker?

Every contracting business is different, and risks vary by trade. Our brokers help you:

• ✅ Meet insurance requirements for contracts and job sites
• ✅ Protect your tools, vehicles, and employees
• ✅ Compare rates from Ontario’s top commercial insurers
• ✅ Customize a package that fits your trade and budget.