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Renovation Contractor Insurance
Renovation work means working inside occupied homes and existing structures where one mistake can damage finishes, flooring, and your client's belongings. Renovation contractor insurance covers your liability, protects your tools, and gives you the certificates you need to win jobs in Mississauga, Ontario, and across Canada.
$2M+
Liability Limits
24/7
Claims Support
$100K+
Tools Coverage
15+
Years Experience
Renovation Coverage
What is Renovation Contractor Insurance?
Renovation contractor insurance is a package of coverages designed for contractors who remodel and renovate existing homes, protecting against the unique risks of working in occupied spaces.
Why Renovation Contractors in Ontario Need Insurance
Renovation work creates unique liability exposure. You're working inside finished homes where one slip can damage hardwood floors, one leak can ruin ceilings below, and one mistake can destroy the client's personal belongings. In Mississauga and across Ontario, homeowners increasingly require renovation contractors to carry proper insurance before work begins.
- Damage to existing finishes, flooring, and client belongings
- Water damage from plumbing and fixture work
- Injuries to homeowners living in the space during renovation
- Defects discovered after the renovation is complete
- Tool and equipment theft from job sites
- Legal defense costs for disputes and claims
Working in Occupied Homes
Unlike new construction, renovation work often happens while families are living in the home. This increases your liability exposure since homeowners, children, and pets are present. Proper dust containment, site safety, and liability coverage are essential for every renovation project.
Complete Coverage
What Does Renovation Contractor Insurance Cover?
Full protection for renovation projects, covering liability, tools, and damage to existing structures.
Commercial General Liability (CGL)
Core liability protection for property damage and injury claims from your work.
- Damage to existing structure
- Client property damage
- Third-party bodily injury
- Legal defense costs
- Completed operations
Tools & Equipment
Protection for tools and renovation equipment from theft and damage.
- Hand and power tools
- Theft from job sites
- Theft from vehicles
- In-transit coverage
- Rented equipment
Commercial Auto
For trucks and vans transporting tools and materials to job sites.
- Liability coverage
- Collision & comprehensive
- Contents in vehicle
- Hired auto
Installation Floater
Covers materials and fixtures you're installing until the project is complete.
- Cabinets and countertops
- Fixtures and appliances
- Materials in transit
- On-site storage
Professional Liability (E&O)
For contractors offering design services or project management.
- Design errors
- Professional negligence
- Code compliance issues
- Project management
Umbrella Liability
Additional limits for high-value renovation projects.
- $5M+ limits
- High-end home projects
- Condo renovations
- Strata requirements
Built For Renovators
Who Needs Renovation Contractor Insurance in Ontario?
From kitchen specialists to full-service renovation companies, insurance protects your business and wins client trust.
Kitchen Renovation Contractors
Specialists in kitchen remodels, cabinet installation, countertops, and full kitchen overhauls.
Bathroom Remodelers
Contractors specializing in bathroom renovations with plumbing, tile, and fixture installation exposure.
Basement Finishing Contractors
Contractors transforming unfinished basements into living spaces, home offices, and rec rooms.
General Renovation Contractors
Full-service contractors handling complete home renovations, managing multiple trades and project phases.
Condo Renovation Specialists
Contractors renovating condos and apartments with strata requirements and neighbour liability considerations.
Addition Contractors
Contractors building home additions, bump-outs, and extensions onto existing structures.
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Get Renovation Contractor Insurance Quotes in Mississauga
Compare rates from top Canadian insurers. Fast quotes, contract-ready certificates, and coverage designed for renovation contractors.
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Know Your Risks
Common Renovation Contractor Insurance Claims
Renovation work creates unique liability exposure. These are the claim scenarios renovation contractors deal with most often.
Water Damage
Kitchen and bathroom renovations involve plumbing work where one bad connection can cause major water damage.
Example: A supply line connection fails after you leave, flooding the kitchen and damaging the basement ceiling below.
Damage to Existing Finishes
Working in finished homes means you can damage hardwood floors, walls, and areas outside the renovation zone.
Example: While moving materials, your crew scratches hardwood flooring throughout the main floor, requiring $12,000 in refinishing.
Homeowner Injuries
Families often live in the home during renovation, increasing injury risk from construction hazards.
Example: A homeowner trips over tools left in a hallway at night and breaks their wrist, filing a $25,000 claim.
Condo Neighbour Claims
Condo renovations can affect neighbouring units through water damage, dust, noise, and structural issues.
Example: Water from your bathroom renovation leaks into the unit below, causing $35,000 in damage to the neighbour's condo.
Tool & Equipment Theft
Renovation job sites in occupied homes can still experience theft of tools and materials.
Example: Your trailer is broken into overnight and $18,000 worth of tools and a tile saw are stolen.
Defective Workmanship
Tile failures, cabinet issues, and installation defects may surface months after the renovation is complete.
Example: Tile installed in a shower fails 8 months later due to improper waterproofing, requiring complete re-do.
Simple Process
How to Get Renovation Contractor Insurance
Get covered in three simple steps.
1
Request a Quote
Tell us about your renovation business: project types, annual revenue, and subcontractor use.
2
Compare Options
We shop multiple insurers to find coverage that fits your renovation specialty.
3
Get Your Certificate
Purchase coverage and receive certificates quickly for clients and strata corporations.
Get Answers
Renovation Contractor Insurance FAQs
Renovation contractor insurance in Ontario typically costs $1,200 to $4,000+ per year for CGL depending on revenue, project types, and subcontractor use. Kitchen and bathroom specialists often pay more due to water damage exposure. Tools coverage and commercial auto add to the total based on equipment value and vehicle count.
It depends on the project scope. For major renovations where the homeowner's existing insurance may not cover construction work, builder's risk may be necessary. Many larger renovation contracts and lenders require it. For smaller projects like kitchen or bathroom remodels, CGL with proper completed operations coverage is typically sufficient, but verify with your client's requirements.
Yes, CGL covers property damage you cause to the client's home during renovation work, including damage to existing finishes, flooring, walls, and personal belongings. This includes accidental damage from your work and damage caused by your subcontractors. It also covers damage to areas outside the immediate renovation zone.
As the general contractor, you may be held liable for subcontractor work even if they have their own insurance. Best practice is to require certificates of insurance from all subcontractors, verify their coverage meets your standards, and consider being named as additional insured on their policies. Your CGL provides some protection, but proper subcontractor insurance management reduces your risk.
Completed operations coverage protects you against claims arising from work after the renovation is finished. Tile failures, water intrusion, and installation defects may not appear until months after completion. This coverage is typically included in CGL and is essential for renovation contractors. Claims often arise after you've moved on to other projects.
Condo renovations don't require different insurance, but strata corporations often have higher insurance requirements. Many require $2M or $5M CGL minimum, and may require you to name the strata corporation as additional insured. Condo work also has higher neighbour liability exposure since water damage and noise can affect adjacent units. Make sure your policy meets strata requirements before starting work.
At Boardwalk Insurance, we can often issue certificates of insurance the same day or next business day once your policy is bound. This helps renovation contractors meet client requirements, satisfy strata corporations, and start projects quickly. If you need certificates naming specific additional insureds, let us know and we'll coordinate with the insurer.
Get Renovation Contractor Coverage That Protects Your Business
CGL, tools coverage, and contract-ready certificates for renovation contractors in Mississauga and across Canada. Across Canada
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Mississauga businesses
Quick Quote Turnaround
Get insurance quotes fast with same-day response and coverage when your business needs it most
Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
