Contractors Insurance Ontario

Ontario Contractors Insurance

Construction is one of the most complex industries to insure. Every project brings new exposures, new parties, and new risks, and a one-size-fits-all policy rarely cuts it. At Scrivens, we work with both general contractors and subtrades across Ontario to build tailored insurance programs that cover the full scope of their operations. From the jobsite to the office, we make sure you're protected where it counts.

Commercial General Liability and Property

A solid CGL policy is the foundation of any contractor's insurance program. It covers third-party bodily injury and property damage claims that can arise in the course of your work, whether you're on a jobsite, at a client's property, or anywhere in between. We pair this with commercial property coverage to protect your owned or leased workspace, equipment, and contents from losses like fire, theft, and vandalism.

Wrap-Up Liability and Builders Risk

For larger or more complex projects, wrap-up liability and builders risk coverage provide protection across all parties involved in a build. Wrap-up liability consolidates coverage for general contractors, subcontractors, and consultants under a single policy, reducing gaps and simplifying claims. Builders risk covers the structure itself, along with materials and equipment on site, from the ground up until project completion.

Professional Liability / Errors and Omissions

As contractors take on more design-build work and advisory roles, professional liability becomes increasingly important. This coverage protects you if a client alleges that your professional advice, design input, or project management led to a financial loss, an exposure that a standard CGL policy won't cover.

Surety Bonds

Many public and private contracts require contractors to be bonded. Surety bonds provide your clients and project owners with financial assurance that the work will be completed as agreed. Whether you need a bid bond, performance bond, or labour and material payment bond, we can help you navigate the bonding process and connect you with the right markets.

Why Scrivens for Contractor Insurance?

Construction accounts require more than just a standard policy. They require a broker who understands the industry. Our commercial team has deep experience working with contractors of all sizes across Ontario, and we have access to both domestic and specialty markets to place coverage that fits your specific trade, project type, and risk profile. We work with you at renewal and throughout the year to make sure your program keeps pace with your business.

Specialized Insurance for Construction Trades

General Contractors

‍Comprehensive coverage for project managers overseeing entire builds. We protect your business against third-party liability, property damage, and site risks across all phases of construction.

Electrical Contractors

‍Specialized liability insurance designed for the unique risks of electrical work, ensuring protection against property damage, fire hazards, and installation errors.

HVAC Contractors

‍Coverage tailored for heating, ventilation, and air conditioning professionals. Secure your business against equipment transport risks, installation accidents, and completed operations liability.

Renovation Contractors

‍Protect your business while altering existing structures. Our policies cover structural modifications, builder's risk, and liability during residential or commercial renovations.

Frequently Asked Questions

What is the difference between Commercial General Liability (CGL) and Wrap-Up Liability?

CGL covers your specific business operations and ongoing activities. Wrap-Up liability is project-specific, covering all contractors and subcontractors working on a single construction site under one unified policy to avoid coverage gaps.

How do I get a certificate of insurance for a project?

Once your policy is active, your Scrivens broker can issue a certificate of insurance quickly upon request. This document provides instant proof of your CGL and limits to project owners, municipalities, or general contractors.

What are the insurance requirements for subcontractors?‍

General contractors should require all subcontractors to carry their own CGL insurance. Furthermore, subcontractors must provide a certificate of insurance naming the general contractor as an "additional insured" before starting any work on the site.

How do performance bonds work in construction?‍

A performance bond is a guarantee issued by a surety company that a contractor will complete a project according to the contract terms. If the contractor fails to deliver, the surety steps in to ensure completion or compensate the project owner.

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