Contractors & Trades Insurance

As a contractor or skilled tradesperson, your work is hands-on, fast-paced, and often exposed to risk. Whether you’re on a construction site, in a client’s home, or operating heavy equipment, one thing is certain: accidents and unexpected issues can happen. At Solutions Insurance, we provide specialized insurance solutions tailored to protect contractors and trades professionals across industries.

From electricians and plumbers to general contractors and landscapers, we offer the coverage you need to keep your business running—no matter what comes your way.

Why Contractors Insurance Is Essential

Working in the trades means dealing with unpredictable job sites, physical labor, equipment use, and client interactions. These elements create potential for property damage, injury, or legal disputes. Without the right insurance, even one incident can lead to costly claims, delays, or lost income.

Contractors insurance gives you the protection and peace of mind you need to do your job with confidence—knowing you’re covered if something goes wrong.

Who Needs Contractors & Trades Insurance?

If you’re self-employed, part of a crew, or run a small contracting business, insurance is not just a smart move—it’s often required by clients, general contractors, or municipal licensing bodies. We work with:

• General contractors
• Electricians
• Plumbers
• HVAC technicians
• Carpenters
• Painters and decorators
• Roofers
• Landscapers and arborists
• Flooring and tile installers
• Drywall and insulation contractors
• Handymen and small repair services

Key Coverages for Contractors and Trades

We understand the unique needs of tradespeople and offer flexible packages that can include:

1. Commercial General Liability (CGL)
   Protects you if you’re held liable for bodily injury or property damage caused to a third party during your work.
2. Tools and Equipment Coverage
   Covers the cost of repair or replacement for stolen, lost, or damaged tools and equipment—whether on-site, in transit, or in storage.
3. Installation Floater
   Protects materials and property while in transit or waiting to be installed on a job site.
4. Commercial Auto Insurance
   Covers business vehicles used for transporting materials, tools, or crew members.
5. Contractors’ Pollution Liability
   Specialized coverage for contractors working with hazardous materials or dealing with potential environmental risks.
6. Builders Risk Insurance
   Protects buildings under construction, renovation, or repair against losses due to fire, theft, vandalism, and more.
7. Workers’ Compensation Insurance
   Mandatory in most provinces, this covers wage replacement and medical benefits for employees injured on the job.

Why Choose Solutions Insurance?

At Solutions Insurance, we know the trades. We speak your language and understand the importance of staying on budget and on schedule. That’s why we work with leading Canadian insurers to offer customized, affordable protection for contractors of all sizes.

• Tailored Coverage – Get insurance that fits your trade, project type, and job size.
• Fast Certificates of Insurance – Meet project requirements quickly with same-day certificates.
• Expert Advice – Our advisors work with contractors every day and can guide you through what you truly need.
• Competitive Rates – Save money while getting the right protection.

Stay Covered. Stay Confident.

Whether you’re bidding on a big project or handling day-to-day repairs, the last thing you need is a claim slowing you down. Protect your tools, your team, and your reputation with a policy built for the way you work.