GoToInsure.ca specializes in Contractors Insurance serving all of Atlantic Canada.

Contractors bring to a project the technical knowledge and job management skills required to make sure that job gets done right. They oversee all procedures, and coordinate the logistics of getting the required materials, equipment and labour to the site in an efficient and properly organized manner. In this busy field of work, keeping the focus on the projects at hand is what pays the bills, not worrying about your contractors insurance.

We understand contractors, and share the same “get-it-done-right” approach in our own field. Let us worry about your Contractors Insurance so that you don’t have to.

Major segments of protection to consider in your Contractors Insurance include:

• General Liability
• Tools & Equipment
• Completed Operations Insurance
• Installation Floater
• Builder’s Risk
• Trucks and other commercial vehicles
• Surety Bonds

If your contractors insurance misses the mark on any one aspects of protection, your job and your company may be at risk.

Who Needs Contractors Insurance?

General contractors, contractors, and subcontractors are commonly required to carry Contractors Insurance by the various laws and businesses they work for.

Usual types of contractors include Excavators, Air conditioning and Refrigeration Contractors, HVAC Installers (Heat, Ventilation & Air Conditioning), Brick Layers, Road Contractors, Blasting, Demolition, Electricians, Plumbers, Carpenters, Cement Mason, Concrete Plant Operator, Gas Fitter, Drywall Finisher, Electronics Communications Technicians, Elevator Mechanics, Floor Covering Installers, Glaziers, Flooring Installers, Heat and Frost Insulators, Ironworkers, Joiners, Masons, Metal Fabricators, Painters and Decorators, Plasterers, Refrigeration Mechanics, Roofers, Water Proofers, Sheet Metal Workers, Sprinkler System Installers, Steamfitters, Pipefitters, Tile Setters, Welders and more.

Contractors General Liability Insurance

General Liability Insurance (GL) is an essential part of contractors insurance. The main purpose of Contractors General Liability Insurance is to protect the owners, operators, and employees of the company against covered lawsuits or claims, which could include the following; Liability from accidents, Contractual liability, Products made by the insured, Liability coverage for workers employed by the contractor, and other financial liabilities that result from accidents or other mishaps.

General liability insurance is often bundled with a variety of other coverages. The type of work performed will often determine the level or type of contractors' liability insurance needed.

Important to know: It is the general contractor's job to ensure that everyone working with them - or under them - is covered by liability insurance. The General Contractor must be sure that all subcontractors under them have General Liability Insurance.

Often times a contractor cannot set foot onto a project until they produce a “certificate of insurance”, showing that they have Contractors General Liability Insurance. As a result of this requirement, a contractor can be found in breach of their contract if they are unable to start the job on time because the certificate is not available. Our brokers can supply a certificate of insurance quickly and easily to ensure that you comply with all the project requirements.

The Right Insurance, at the Right Price

Cost control is concern for any savvy contractor. With a customized Contractors Insurance policy you are in control of the types and amount of coverage that makes for the best use of your hard-earned dollars. There are often also “insurance bundling” options, that allow you to save by combining your commercial auto, commercial property and liability policies. All this can make your contractors insurance premium surprisingly affordable.

Whether you’re a general contractor, sub-contractor or construction tradesperson, GoToInsure.ca brokers will seek the coverages to help protect you, your employees, your building materials and your equipment – on the job, in the shop and anywhere in between.

Here are Two Reasons to Act Now!

1. Get started now so that your coverage is in place by the time you bid your next job and you'll be able to incorporate those costs.
2. Getting a quick and accurate quote back is easy. Just fill out this short Contact form and we'll show you the options and how affordable Contractors Insurance can be.