What does CGL cover for Ontario contractors?
CGL (Commercial General Liability) covers third-party bodily injury, property damage, personal and advertising injury, and related legal defence. For Ontario contractors, it typically includes products and completed operations—often required by project owners and general contractors.
Do I need builder's risk for a renovation in Toronto?
For major renovations or new construction in Toronto and GTA, builder's risk is commonly required. It covers the structure and materials during the build. We can help you match coverage to your project and contract requirements.
What is an additional insured endorsement?
An additional insured endorsement adds another party (e.g. landlord, project owner, general contractor) to your policy so they are protected for claims arising from your work. It is often required in leases and construction contracts.
What is waiver of subrogation?
Waiver of subrogation means your insurer will not pursue recovery from the party named in the waiver if that party caused the loss. Many Ontario construction and lease contracts require this endorsement.
What is cross liability in commercial insurance?
Cross liability (or separation of insureds) treats each insured as if they had a separate policy, so one insured can claim against another. It is often required in joint ventures and contractor agreements.
What is completed operations coverage?
Completed operations coverage protects you for bodily injury or property damage that occurs after your work is finished. It is important for contractors and is often part of CGL or can be added by endorsement.
How do I get a certificate of insurance in Toronto?
Once your policy is bound, we typically issue certificates of insurance the same day. You can request certificates for landlords, project owners, or subcontractors with the correct additional insured and waiver wording.
What insurance do Toronto subcontractors need?
Subcontractors in Toronto and GTA typically need CGL, often with additional insured status for the general contractor, waiver of subrogation, and sometimes builder's risk or professional liability depending on the trade and contract.
What are typical tender insurance requirements in Ontario?
Tenders often require proof of CGL (e.g. $2M–$5M), auto liability, and sometimes professional liability or builder's risk. Specific additional insured, waiver of subrogation, and notice of cancellation requirements are common.
Do I need tools and equipment insurance in Ontario?
Tools and equipment (contractors' equipment) coverage protects your tools, machinery, and equipment from theft, damage, or loss. It is separate from CGL and property and is often essential for contractors in the GTA.
How quickly can I get a business insurance quote in Toronto?
We aim to provide quotes within the same business day for most Toronto and GTA businesses. Urgent requests and same-day certificates are prioritized—contact us to get started.
What industries do you serve for commercial insurance in Toronto?
We serve contractors, trades (electricians, plumbers, landscapers, renovators, home builders), professional services, tech, retail, manufacturing, and other SMEs across Toronto and the Greater Toronto Area.