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 can help build you the right policy.

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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 ↓

Essential coverage for wiring, installation, and protecting you against fire risks and claims.

For tools, equipment, and installation errors that can occur on residential or commercial jobs.

Coverage for structural work, finishing, and tool protection on every job site.

Specialized liability insurance designed for working at heights and open-roof exposures.

Covers interior and exterior projects, protecting you from property damage and overspray claims.

Comprehensive protection for landscape design, maintenance, and heavy equipment operation.

Frequently Asked Questions

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.

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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