Contractor Liability & Builders Risk

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Contractor Facing Custom Built-in Shelves Saskatchewan with Brandon Fiske 2026

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.

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What Does Contractor Insurance Cover?

Our construction insurance policies typically cover:

Contractor Insurance primary coverage

General Commercial Liability

Protect your business against common claims that arise on the job site. This coverage handles legal fees and expenses if you’re held responsible for third-party injuries (like a slip on a construction site) or accidental damage to someone else’s property.

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Builder’s Risk Insurance

Essential for new builds or major renovations, this protects the project site itself. It covers physical loss or damage to the building in progress, including materials, scaffolding, and even landscaping, from the start of the job until the keys are handed over.

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Equipment and Tools Insurance

Your tools are your livelihood. This policy covers the cost to replace transportable gear if it’s lost, stolen, or damaged while in storage, or in transit to a job location.

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Property Insurance

Secure your home base. Commercial property insurance protects your building and everything inside it (including inventory, computers, furniture, and even outdoor signage) from fire, theft, or weather-related damage.

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Business Interruption Insurance

If a covered event like a fire or major storm forces you to stop work, this coverage helps replace lost income and pays for ongoing fixed expenses so you can stay on your feet while you recover.

This is an optional, additional coverage that can be purchased.

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CONSTRUCTION EXTRAS

Surety Bond Applications

Many commercial and government projects in Saskatchewan require a surety bond to guarantee your work and payment obligations. From bid and performance bonds to maintenance and payment bonds, our team can help you start and complete your surety bond applications today!

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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.

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