Contractors (Residential & Commercial)

Whether you’re looking for a course of construction insurance, contractor’s errors & omissions, wrap-up liability, surety bonding, or property coverage for your tools, equipment, and commercial vehicles, we can help! Want to connect with one of our advisors?



Find what you need

Want to learn about your insurance? Click on one of the below topics!

Surety Bond/License

Whether you’re undergoing a quick local project or a substantial public development, the right surety bond will assure that you are not just capable but qualified to do the job right.

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Course of Construction

Typical commercial building insurance will not cover a building under construction or substantial renovation. Buildings under construction are subject to more significant risks than occupied buildings. Construction heaters pose fire hazards, and newly constructed walls without doors or windows risk blowing down in wind storms. A Course of Construction policy, aka Builder’s Risk Insurance, will respond to circumstances like this.

Contractors Rework

As a general contractor, you must often meet contractual and industry standards. If these standards are not met, this coverage could pay the expenses to rewire or replace components and other costs associated with helping you make it suitable.

Wrap Up Liability

Construction sites are complex and busy environments, with multiple contractors working together towards one common goal. This Liability policy protects the project and all involved, such as subcontractors, owners and consultants. As a general contractor, in the event of a claim that is specific to the project, the wrap-up liability would be the first to respond.

Pollution Liability

Spills, leaks, and overflows can happen over time or suddenly without expectation. These risks can affect your property, as well as the property of third parties. There are various options available for you to protect your business from cleanup costs or other damages.

Tools & Equipment

You rely on your tools daily to get your work done. They are the lifeblood of your operations. Unlike typical industries where your most essential business instruments are fixed in one location, yours constantly move with you. With this increased risk, having the right coverage in place is the best tool in your belt.

Commercial Auto

You may have a work truck or a whole fleet of vehicles, or drive your own car to and from your jobs. If this is the case, you’ll want to keep these assets insured so you aren’t left without a ride.

Errors & Omissions

If your operations include a design-build function, you have a professional risk that your CGL won’t respond. If a project is delayed, a client loses revenue or experiences other financial harm due to a professional error, they may seek financial reciprocation from you. Contractors E&O is designed to respond in these circumstances.

Disability Insurance

Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.


Critical Illness Insurance

Critical Illness coverage provides a monetary payment if you get knocked off your feet by cancer, stroke, heart attack, etc. In addition to the possibility of a leave of absence from your job, a critical illness can sometimes leave you with recovery costs. When you set up your policy, you choose the amount of coverage you want, as not everyone’s recovery costs and expenses are the same.

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Personal Health Plan

Get a customizable health insurance plan that helps replace or fill the gaps in your provincial or workplace benefits. Whether you’re looking for individual or family health insurance that best meets your needs.

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Don’t see what you’re looking for? CONNECT with our expert team, and let us find the right coverage for you!


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