Contractor Insurance Built for Saskatchewan Trades
From job site liability to protecting your tools and equipment, we help contractors stay covered against the unexpected. Whether you’re a general contractor or a specialized tradesperson, our local experts find the right policy so you can focus on getting the job done.
What Does Contractor Insurance Cover?
Our construction insurance policies typically cover:
Specialized Insurance for Skilled Trades
We provide tailored insurance solutions for a wide range of Saskatchewan contractors:
Electrical Contractors
Essential coverage for wiring, installation, and repairs, protecting you against fire risks and electrical failure claims.
Plumbing & Heating
Specific protection for water damage, pipe bursts, and installation errors that can occur during residential or commercial jobs.
Carpentry & Framing
Protect your craftsmanship with coverage for structural work, finishing, and tool protection on every job site.
Roofing Contractors
Specialized liability insurance designed for the unique risks of working at heights and open-roof exposures.
Painting & Decorating
Covers interior and exterior projects, protecting you from property damage and overspray claims.
Flooring Installation
Tailored for hardwood, tile, and carpet installers to protect against subfloor issues and accidental property damage.
Concrete & Paving
Liability and equipment protection for foundation work, driveways, and large-scale paving projects.
Landscaping & Hardscaping
Comprehensive protection for landscape design, maintenance, and heavy equipment operation.
Contractor Insurance & Builders Risk FAQs
How much does contractor insurance cost in Saskatchewan?
The cost varies based on your trade and revenue. For example, a self-employed house painter will typically pay less than a roofing contractor due to the risk level. We provide customized quotes to ensure you aren’t paying for coverage you don’t need while staying protected against local risks.
Do I need a Builders Risk policy for a renovation project?
Yes. Standard property insurance often excludes buildings “in the course of construction.” This coverage protects materials, temporary structures, and the project itself from the moment you break ground until the “Ready-for-Takeover” stage.
Does General Liability cover my tools if they are stolen from a job site?
Actually, no. General Commercial Liability (CGL) covers you if you accidentally damage a client’s property or if a visitor is injured. To protect your tools, you need Equipment and Tools Insurance, which covers your gear whether it’s in your truck, in storage, or on a project site.