Contractors and skilled trades insurance

Prepare a useful insurance submission

Describe heights, depths, hot work, demolition, subcontracting and the split between new builds, repairs and maintenance. Bring contracts, tool values and project sizes.

Include your legal business name, operating locations, revenue, current cover and claims history. Explain all activities, including occasional work.

Coverage questions for your operation

Ask about completed operations, property being worked on, underground services and any excluded trade activities. Project insurance and bonding require their own review.

Compare the declared work, limits, deductibles and exclusions in each proposal. Availability depends on your activities, province and the participating licensed provider.

Find your business activity

Use these activities to prepare your enquiry. Tell the provider exactly what you do; inclusion here is not confirmation of cover or acceptance.

No matching activity. Try a broader term or contact us about your work.

A claims scenario to discuss

Hypothetical scenario

Damage at a work site

A tool or installation activity damages a customer’s property. Preserve photographs, the work order and subcontractor details; ask how the declared work and relevant exclusions affect the assessment.

Actual outcomes depend on the facts, accepted activities and policy wording.

Ready for the next conversation?

Bring your activity list and questions to a licensed insurance professional. An enquiry is not a quote or confirmation of insurance.