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.
What Does Contractor Insurance Cover?
Our construction insurance policies typically cover:
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.