Contractor Insurance in Ontario, Canada

Construction & Trade Insurance | Boardwalk Insurance — A Division of Oracle RMS

Comprehensive contractor insurance for independent contractors, tradespeople, and service providers across Ontario and the Greater Toronto Area. Protect your business from liability claims, tool theft, vehicle incidents, and professional errors — with fast quotes from 30+ A-rated Canadian carriers and same-day certificate issuance. Serving all provinces except Quebec.

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What Is Contractor Insurance?

Contractor insurance is a package of commercial insurance coverages designed to protect self-employed contractors, independent tradespeople, and small contracting businesses from the financial consequences of third-party liability claims, property damage, tool theft, vehicle incidents, and professional errors that arise in the course of their work.

Unlike a single policy, contractor insurance is a program tailored to your trade, the type of clients you work for, and the contract requirements you face. At minimum, most contractors in Ontario need Commercial General Liability (CGL) insurance. Depending on your work, that base is extended with Tools and Equipment coverage, Commercial Auto, and — for contractors who advise, design, or manage projects — Professional Liability (Errors & Omissions).

Contractor insurance is not simply a formality. Clients, general contractors, property managers, and municipalities across Ontario routinely require contractors to provide a Certificate of Insurance before work begins. Without coverage in place, contractors cannot bid on commercial jobs, access most managed properties, or satisfy standard subcontract requirements. More importantly, a single uninsured liability claim — a client's property damaged, a visitor injured at your worksite — can result in out-of-pocket costs that no small contracting business can absorb.

The Core Purpose of Contractor Insurance

Contractor insurance protects three things: your legal and financial liability to others, your physical assets (tools, equipment, vehicles), and your ability to keep working when something goes wrong. A contractor who carries the right coverage can respond to a claim, replace stolen tools, and continue delivering projects without the disruption that an uninsured loss would create.

Who Needs Contractor Insurance in Ontario?

Any self-employed individual or small business that performs work on client property — residential or commercial — in Ontario needs contractor insurance. The following groups are the most common:

Independent Contractors

Self-employed professionals operating on a project basis for residential homeowners, property managers, or commercial clients. Whether you work under your own name or a registered business, your personal and business assets are exposed to liability claims every time you perform work on someone else's property.

Tradespeople

Licensed and unlicensed tradespeople — electricians, plumbers, HVAC technicians, carpenters, tile setters, drywall installers, painters, and flooring contractors — face hands-on jobsite exposure every day. Most trade associations and licensing bodies in Ontario expect members to carry active CGL insurance, and most general contractors require proof of coverage before a subtrade is permitted on site.

Service Contractors

Landscaping, lawn care, snow removal, cleaning, janitorial, pest control, and property maintenance contractors are exposed to third-party property damage and bodily injury claims constantly. A mower throwing a stone through a window, an icy walkway missed during snow removal, or a cleaning chemical damaging a client's surface — these are everyday events that become costly without insurance.

Specialty Contractors

Contractors performing higher-risk or specialized work — roofing, concrete, excavation, structural work, environmental remediation — face elevated claim severity. These trades frequently work under contracts that specify minimum CGL limits, require Waiver of Subrogation, and mandate Primary and Non-Contributory wording. A specialty contractor who cannot satisfy those requirements cannot bid the job.

Renovation Contractors

Renovation contractors working inside occupied homes and commercial spaces are exposed to damage-to-existing-structure claims, completed operations claims, and — when they provide design input or project management — professional liability exposure. A renovation contractor's insurance program is typically more complex than a single-trade contractor's, often combining CGL, tools, and builder's risk.

What Does Contractor Insurance Cover?

The right contractor insurance program is built around your specific trade, revenue, and contract requirements. Below are the core coverages that most Ontario contractors carry.

1. Commercial General Liability (CGL)

CGL is the non-negotiable foundation of every contractor's insurance program. It protects your business against third-party claims for bodily injury or property damage caused by your work, your employees, or your completed operations. It covers both defence costs and damages — meaning your insurer pays for legal representation and any settlement or judgment, up to your policy limit.

Most contracts in Ontario require a minimum of $2 million per occurrence in CGL. Larger commercial, institutional, and municipal contracts typically require $5 million or more. Independent contractors working for residential clients often carry $1 million, but this is frequently insufficient for commercial work.

What CGL covers:

• Bodily injury to a third party — a client, a passerby, a visitor — caused by your operations
• Property damage to a client's or third party's property during your work
• Completed operations coverage — claims arising from work you have already finished
• Products liability — if you supply or install materials that later cause harm
• Personal and advertising injury (libel, slander, wrongful eviction)
• Legal defence costs, regardless of whether the claim succeeds

What CGL does not cover:

• Damage to your own tools, equipment, or vehicle
• Professional errors or bad advice (requires separate Professional Liability/E&O)
• Your employees' injuries (covered by WSIB in Ontario)
• Intentional acts

2. Tools and Equipment Coverage

Tools and equipment coverage — also called Contractors' Equipment Floater or Inland Marine — protects your owned, leased, or rented tools and equipment against theft, loss, and physical damage wherever they are located: on a jobsite, in your vehicle, at a storage unit, or in transit.

For most tradespeople, tools are the single largest capital asset in their business. A single overnight vehicle break-in or jobsite theft can eliminate tens of thousands of dollars of tools and halt ongoing projects until they are replaced. Tools and equipment coverage fills the gap that CGL leaves — CGL protects others from your work; tools coverage protects your own assets.

What tools and equipment coverage covers:

• Theft of tools from a locked vehicle, jobsite, or storage
• Accidental damage or loss during transit or on-site
• Rented equipment in your care, custody, or control
• Scheduled high-value items — laser levels, power tools, specialty equipment
• On-site and off-site coverage — not restricted to a specific location

Typical exclusions to watch for:

• Mysterious disappearance without evidence of theft (varies by insurer)
• Wear and tear or mechanical breakdown (requires separate Equipment Breakdown coverage)
• Tools left unsecured in plain sight in an unlocked vehicle

3. Commercial Auto Insurance

If you use a vehicle for work — driving between jobsites, carrying tools or materials, hauling a trailer, or transporting employees — you need commercial auto insurance. A standard personal auto policy explicitly excludes coverage when a vehicle is being used for commercial purposes. If you are in an accident while driving to or from a job, your personal insurer can deny the claim entirely.

Commercial auto for contractors differs from personal auto in several ways: it typically covers higher liability limits (required by many commercial contracts), covers cargo and equipment in transit, and can be extended to cover non-owned vehicles — rental trucks, borrowed vehicles — used for business purposes.

What commercial auto covers:

• Third-party bodily injury and property damage liability
• Collision and comprehensive coverage for your own vehicle
• Equipment and tools in transit (coordinate with your tools floater to avoid gaps)
• Non-owned auto liability — protecting you when you drive a rental or borrowed vehicle for work
• Hired auto coverage for rented vehicles
• Uninsured and underinsured motorist protection

4. Professional Liability (Errors & Omissions)

Professional Liability — also called Errors & Omissions (E&O) — is relevant for contractors who go beyond physical work to provide design input, consulting, specifications, or project management services to clients. It protects against claims that your professional advice or judgment was negligent or incorrect, causing the client a financial loss.

This coverage is increasingly important as the line between "doing the work" and "advising on the work" blurs. A contractor who recommends a product, specifies a method, or manages a project schedule is providing a professional service — and CGL explicitly excludes losses arising from professional services. Without E&O, those claims are entirely uninsured.

What Professional Liability covers:

• Errors or omissions in advice, recommendations, or specifications provided to clients
• Faulty workmanship claims tied to a professional recommendation (not just physical execution)
• Project management errors leading to schedule or cost overruns
• Defence costs for professional negligence claims, regardless of outcome
• Retroactive coverage for past work under retroactive date endorsements

5. Commercial Property Insurance

If you operate from a shop, yard, or fixed business location — rather than working exclusively from a vehicle or client sites — commercial property insurance protects your owned or leased premises, business contents, inventory, and equipment stored there against fire, theft, vandalism, and weather-related damage.

Many smaller contractors operate from home and use their personal homeowner's policy for business property — a significant and common coverage gap. Most homeowner's policies exclude business equipment and tools stored at the home beyond a minimal sublimit (often $1,000–$2,500), which is far below the replacement cost of a typical trade contractor's toolkit.

6. Commercial Umbrella / Excess Liability

A Commercial Umbrella or Excess Liability policy provides additional coverage above the limits of your primary CGL, commercial auto, and employer's liability policies. It kicks in when a claim exhausts the underlying policy's limits. Umbrella policies are commonly required when contractors bid on large commercial, institutional, or public sector work that specifies limits of $5 million, $10 million, or more.

An umbrella is typically the most cost-effective way to reach high required limits — it is substantially cheaper per dollar of coverage than increasing primary limits.

Specialty Contractor Insurance Programs

Different trades carry materially different risk profiles. A roofing contractor working at height has a different exposure than a landscape contractor working at grade. An electrician working inside occupied commercial buildings faces different risks than a concrete contractor forming foundations. Boardwalk Insurance offers trade-specific programs for the following contractor types:

• Electrician Insurance — Liability and tools coverage built for licensed electrical contractors bidding residential and commercial work in Ontario
• Plumbing Contractor Insurance — Protection against water damage claims, property damage, and tool theft for plumbers and service crews
• Roofing Insurance — High-risk trade coverage for residential and commercial roofing contractors, including height exposure and completed operations
• Concrete Contractor Insurance — CGL, tools, equipment, and completed operations for concrete contractors handling foundations, flatwork, and structural pours
• Landscaping & Lawn Care Insurance — Seasonal, high-volume trade coverage including liability for property damage, third-party injuries, and vehicle exposure
• Home Builder Insurance — More complex programs for builders combining CGL, tools, and Builder's Risk where required
• Renovation Contractor Insurance — Coverage for renovation contractors working inside occupied residential and commercial spaces
• Snow Removal Contractor Insurance — Year-round and seasonal coverage for snow and ice management contractors, including slip-and-fall liability
• Construction Insurance — Broader construction programs for general contractors, construction managers, and multi-party project structures

Coverage Comparison by Contractor Type

Coverage needs vary significantly by trade and client type. This table provides general guidance — always confirm requirements against your specific contracts before binding coverage.

Common Contractor Risks in Ontario

Understanding your exposure helps you build the right coverage before a claim arises. These are the most frequent loss scenarios for contractors in Ontario.

Third-Party Property Damage

Accidental damage to a client's property during the course of your work is the single most common contractor liability claim. Drilling into a concealed pipe, scratching a hardwood floor, cracking a countertop during installation, or damaging a finished surface — these events happen on even well-managed jobs. CGL responds to these claims and covers both repair costs and legal defence.

Example: A tile contractor drilling into a bathroom wall punctures a concealed waterline inside a finished condominium. Water damage to the suite below totals $47,000. The contractor's CGL covers the full claim and legal costs.

Coverage responds: Commercial General Liability (CGL)

Third-Party Bodily Injury

Clients, property owners, and members of the public can be injured at or near your worksite. A tripping hazard created by materials left in a hallway, an unguarded opening, tools left on a staircase — any of these can result in an injury claim that includes medical costs, lost income, and pain and suffering damages. CGL covers these claims regardless of whether the contractor believes they were at fault.

Example: A homeowner trips over a contractor's extension cord left across a kitchen doorway and fractures a wrist. The resulting claim, including rehabilitation costs and lost income, totals $68,000.

Coverage responds: Commercial General Liability (CGL)

Tool and Equipment Theft

Contractor tools are a high-value, high-mobility target for theft. Vehicles parked overnight in residential areas, unsecured jobsites, and storage units are all regularly targeted. A complete set of professional tools — power tools, hand tools, specialty equipment — can easily represent $20,000 to $60,000 in replacement value, a loss that can halt a small contractor's business entirely without insurance.

Example: A plumbing contractor's service van is broken into overnight. Power tools, pipe threading equipment, and specialty diagnostics equipment totalling $28,000 are stolen. Tools and Equipment coverage replaces all items minus the deductible.

Coverage responds: Tools and Equipment Coverage (Inland Marine / Equipment Floater)

Vehicle Accidents During Work

Contractors drive more than most — between multiple jobsites daily, hauling trailers, carrying heavy loads. Commercial vehicles have higher accident frequency than personal-use vehicles, and the consequences of an at-fault accident without commercial auto coverage can include claim denial by your personal insurer, personal liability for damages, and loss of your vehicle while work continues.

Example: A contractor's pickup truck rear-ends a stopped vehicle while transporting materials to a job. The accident causes $22,000 in vehicle damage and a whiplash injury claim for $85,000. Commercial auto covers both the vehicle damage and the liability claim.

Coverage responds: Commercial Auto Insurance

Completed Operations Claims

Work you have already finished can still generate liability claims. A water heater installed six months ago develops a leak and damages a client's finished basement. A deck built last summer collapses under load. An electrical panel wired by your company causes a fire. Completed operations coverage — included in most CGL policies — responds to these post-completion claims and is one of the most important and underappreciated elements of contractor insurance.

Example: A contractor completes a bathroom renovation in October. The following March, a poorly fitted supply line begins leaking slowly behind a vanity, causing $34,000 in water damage to the subfloor, adjacent rooms, and the suite below. Completed operations coverage responds.

Coverage responds: CGL — Products & Completed Operations

Professional Errors and Bad Advice

Contractors who recommend products, specify methods, provide project management services, or offer design input are providing professional services — and CGL does not cover professional errors. A contractor who recommends a waterproofing system that fails, or manages a project timeline that results in costly overruns, faces professional liability exposure that only an E&O policy addresses.

Example: A renovation contractor recommends a specific exterior cladding system for a commercial client's building. The system fails to perform as represented, leading to water infiltration and $95,000 in remediation costs. The client pursues the contractor for the recommendation. The contractor's Professional Liability (E&O) policy covers defence and settlement.

Coverage responds: Professional Liability (E&O)

Subcontractor-Related Gaps

General contractors and prime contractors who engage subcontractors face a specific and often overlooked risk: if a subcontractor causes a loss and does not carry adequate insurance, the claim can flow back to the prime contractor. Without proper certificates of insurance, Additional Insured endorsements, and contract indemnification language in place, a prime contractor can be exposed for losses they did not directly cause.

Example: A general contractor hires an uninsured drywall subcontractor. The subcontractor accidentally damages a sprinkler head, causing $55,000 in water damage throughout a completed floor. Because the subcontractor has no insurance, the building owner pursues the general contractor's CGL for the full amount.

Coverage responds: General Contractor's CGL (with subcontractor management risk mitigation)

Contractor Insurance and Certificates of Insurance in Ontario

A Certificate of Insurance (COI) — typically an ACORD 25 form — is the document clients, general contractors, property managers, and municipalities use to verify that a contractor carries the required coverage. Understanding what a certificate shows and what it does not show is essential for every contractor working in Ontario.

What a Certificate of Insurance Confirms

A standard COI confirms the insured's name, policy numbers, coverage types, policy limits, and effective dates. It also identifies any Additional Insured parties and notes endorsements such as Waiver of Subrogation and Primary and Non-Contributory status, if applicable.

Additional Insured Endorsement

When a client or general contractor requires to be named as an Additional Insured, they receive direct coverage rights under the contractor's CGL policy. If a claim arises from the contractor's work, the Additional Insured can make a direct claim under that policy. This is a standard risk transfer mechanism and is required on virtually every commercial and institutional contract in Ontario.

Waiver of Subrogation

A Waiver of Subrogation prevents the insurer from pursuing recovery against the party named in the waiver after paying a claim. Many contracts require contractors to include Waiver of Subrogation in favour of the project owner on their CGL and commercial auto policies. Failing to include this endorsement when required constitutes a breach of contract.

Primary and Non-Contributory Wording

When a contract requires "Primary and Non-Contributory" wording, it means the contractor's policy must respond first — before any policy carried by the project owner or general contractor — and that the contractor's insurer cannot seek contribution from the owner's policy. This wording is standard on most commercial and institutional subcontracts.

Boardwalk Insurance issues same-day Certificates of Insurance including all required endorsements and wording, allowing contractors to satisfy contract requirements without administrative delay.

How Much Contractor Insurance Do You Need?

There is no single answer — coverage limits depend on your trade, the clients you work for, the contracts you sign, and your personal risk tolerance. These are the practical benchmarks most Ontario contractors face:

CGL Limits:

• $1 million per occurrence — minimum for most residential work; inadequate for most commercial contracts
• $2 million per occurrence — standard minimum for commercial and institutional work in Ontario
• $5 million per occurrence — required by many municipal, infrastructure, and large private commercial contracts
• $10 million+ — typically achieved through a primary CGL plus Commercial Umbrella

Tools and Equipment:

• Coverage limit should reflect the full replacement cost of all tools and equipment you own or regularly use. Underinsuring tools — carrying a $10,000 limit when your replacement cost is $30,000 — leaves a material gap that the contractor absorbs personally.

Commercial Auto:

• Minimum $1 million in third-party liability is required by Ontario law for all vehicles. Most commercial contracts require $2 million. Higher limits are available and recommended if you regularly haul significant loads or operate larger vehicles.

Professional Liability:

• $500,000 to $1 million is a common entry point for smaller contractors providing advice. Larger commercial consulting or design-build engagements typically require $2 million or more.

Frequently Asked Questions About Contractor Insurance in Ontario

What is contractor insurance and what does it include?

Contractor insurance is a bundled commercial insurance program for self-employed contractors, tradespeople, and small contracting businesses. A complete program includes Commercial General Liability (CGL) for third-party liability claims, Tools and Equipment coverage for physical assets, Commercial Auto for work vehicles, and — for contractors who provide design or advisory services — Professional Liability (E&O). The specific combination depends on your trade, the scope of work you perform, and your contract requirements.

Is contractor insurance mandatory in Ontario?

Ontario law does not universally mandate all contractor insurance coverages, but CGL is practically mandatory for any contractor who works on commercial properties, under a general contractor, or for a property management company. Most residential clients and virtually all commercial clients, general contractors, and property managers require a Certificate of Insurance before allowing work to begin. Failing to carry required coverage is a breach of contract and can result in immediate removal from a jobsite.

How much does contractor insurance cost in Ontario?

Contractor insurance premiums vary based on your trade (higher-risk trades like roofing and electrical carry higher premiums than lower-risk trades), annual revenue, number of employees or subcontractors, claims history, and the coverage limits you carry. As a general benchmark: a self-employed trade contractor in Ontario might pay $800 to $2,500 per year for a basic CGL policy. Adding tools, commercial auto, and professional liability will increase total program cost. Comparing quotes from multiple carriers through Boardwalk Insurance typically results in the most competitive pricing for your specific trade profile.

Does my personal auto policy cover me when driving to jobsites?

No. Standard personal auto policies in Ontario explicitly exclude coverage when a vehicle is used for commercial purposes — including driving between jobsites, transporting tools or materials, and hauling work trailers. If you are in an accident while performing any of these activities under a personal auto policy, your insurer can deny the claim. Any contractor who regularly uses a vehicle for work requires commercial auto coverage.

Do I need insurance if I only work for one client?

Yes. Working exclusively for one client — whether a homeowner, a general contractor, or a commercial property owner — does not eliminate your liability exposure. In fact, contractors who work exclusively as subcontractors for a general contractor are typically required by the subcontract agreement to carry their own CGL and provide a Certificate of Insurance naming the GC as Additional Insured. Working under someone else's contract does not transfer your liability to them.

What is the difference between contractor insurance and construction insurance?

Contractor insurance refers to the commercial insurance program carried by an individual contractor or small contracting business — typically built around CGL, tools, and commercial auto. Construction insurance is a broader term used for larger, multi-party project programs — often including Builder's Risk, Installation Floater, and Surety Bonds in addition to CGL — that cover an entire project rather than a single contractor's business. A general contractor managing a large project needs both their own contractor insurance program and project-specific construction insurance on each project.

What happens if a subcontractor I hire causes a loss?

If a subcontractor you engage causes a loss and does not carry adequate insurance, the claim can flow back to you as the prime contractor. This is one of the most common and costly coverage gaps in the contracting industry. To manage this exposure: require all subcontractors to provide a Certificate of Insurance naming you as an Additional Insured before they start work, verify that their policy limits are adequate, and include a hold harmless and indemnification clause in your subcontract agreements. Your Boardwalk Insurance broker can advise on best practices for subcontractor insurance management.

Can I get a same-day certificate of insurance?

Yes. Boardwalk Insurance issues Certificates of Insurance the same business day — including Additional Insured endorsements, Waiver of Subrogation, and Primary and Non-Contributory wording — so contractors can satisfy contract requirements without delays. If you have an existing policy, we can also issue certificates for contract changes and renewals the same day.

Does contractor insurance cover my employees?

CGL does not cover your employees' work-related injuries — that is the mandate of WSIB (Workplace Safety and Insurance Board) in Ontario. If you have employees, WSIB registration may be mandatory depending on your trade and business structure. CGL does cover third-party injury claims made by people who are not your employees. If you operate as an independent contractor yourself (no employees), you may want to confirm whether WSIB coverage applies to your situation, as some independent operators choose to register voluntarily.

Why Construction Companies and Contractors Choose Boardwalk Insurance

Boardwalk Insurance is a RIBO-registered commercial insurance broker and a division of Oracle RMS. We specialize in contractor and construction insurance, giving tradespeople and independent contractors across Ontario access to competitive rates from 30+ A-rated Canadian carriers — including Intact, Aviva, Economical, Northbridge, Chubb, Travelers, CNA, and Gore Mutual.

Dedicated Contractor Insurance Advisors

You work directly with licensed Ontario brokers who understand trade-specific risk exposures, contract language, and the practical insurance requirements contractors face in the field. Our advisors know what a Certificate of Insurance needs to say for a commercial general contractor versus a property management company, and can structure your coverage to satisfy those requirements without over-insuring you.

Access to 30+ A-Rated Canadian Carriers

We compare your submission across more than 30 A-rated carriers. Whether you are a sole proprietor electrician or a multi-crew renovation contractor, we access markets that fit your trade. Our relationships with carriers like Intact, Northbridge, and Economical regularly produce pricing that contractors cannot obtain by approaching insurers directly.

Same-Day Certificate Issuance

Contractors cannot wait days for paperwork. We issue contract-ready Certificates of Insurance (ACORD 25) the same business day — including Additional Insured endorsements, Waiver of Subrogation, and Primary Non-Contributory wording. We maintain your active policy details on file and respond to certificate requests immediately.

Claims Advocacy

When a loss occurs, our team advocates on your behalf from first notice of loss through settlement. We ensure your insurer meets their obligations and that your claim is resolved efficiently, so you can focus on your business. Our role does not end when the policy is bound.

15+ Years Serving Ontario Contractors

With 15+ years of experience and 500+ construction and contracting businesses protected, Boardwalk Insurance brings practical knowledge of contractor risk to every client engagement. We have placed coverage for sole proprietors, specialty trades, renovation contractors, and multi-trade service companies — across the GTA and nationally.

Trusted by Canada's Leading Insurance Carriers

Boardwalk Insurance works with more than 30 A-rated Canadian and international insurance carriers. Our market access allows us to place contractor insurance for high-risk trades, hard-to-place accounts, and contractors with prior claims history that other brokers may decline.

• Intact Insurance
• Aviva Canada
• Economical Insurance
• Northbridge Insurance
• Wawanesa Insurance
• Chubb Insurance
• Unica Insurance
• CNA Canada
• Travelers Canada
• Gore Mutual Insurance

Related Contractor Insurance Pages

Boardwalk Insurance offers trade-specific insurance programs for every contractor type. If you are looking for coverage built specifically for your trade, explore the pages below:

• Construction Insurance — Broader programs for general contractors, construction managers, and multi-party project structures
• Electrician Insurance — Liability and tools coverage built specifically for licensed electrical contractors in Ontario
• Plumbing Contractor Insurance — Coverage against water damage claims, property damage, and tool theft for plumbers and mechanical contractors
• Roofing Insurance — High-risk trade coverage for residential and commercial roofing contractors
• Concrete Contractor Insurance — CGL, tools, and completed operations for concrete forming, pouring, and finishing contractors
• Landscaping & Lawn Care Insurance — Seasonal and year-round coverage for landscaping and grounds maintenance contractors
• Snow Removal Contractor Insurance — Slip-and-fall liability and seasonal coverage for snow and ice management contractors
• Home Builder Insurance — Insurance for residential home builders, including CGL, tools, and Builder's Risk
• Renovation Contractor Insurance — Coverage for interior and exterior renovation contractors working in occupied buildings
• Architects & Engineers Insurance — Professional Liability and CGL for design professionals and consulting engineers
• Surety Bonds — Bid, Performance, and Payment bonds for contractors bidding public and commercial work
• Commercial General Liability — Standalone CGL information for contractors and trades
• Professional Liability (E&O) — Errors and Omissions coverage for contractors with design or advisory scope
• Pollution Liability Insurance — Coverage for contractors with environmental or contamination exposure
• Commercial Auto & Fleet Insurance — Commercial vehicle coverage for work trucks, vans, and contractor fleets

Where We Serve Contractors

Boardwalk Insurance is headquartered in Vaughan, Ontario, and serves contractors and tradespeople across the Greater Toronto Area, Southern Ontario, and all Canadian provinces except Quebec.

Ontario Markets We Serve

Toronto | Mississauga | Vaughan | Oakville | Hamilton | Kitchener | Brampton | Markham | Richmond Hill | Burlington | Guelph | London | Ottawa | Windsor | Sudbury | Thunder Bay

National Coverage

We also serve contractors in Alberta (Calgary, Edmonton), British Columbia (Vancouver, Victoria), Manitoba (Winnipeg), Saskatchewan (Regina, Saskatoon), Nova Scotia (Halifax), Newfoundland and Labrador (St. John's), and New Brunswick. Coverage is available in all Canadian provinces and territories except the Province of Quebec.

Get a Contractor Insurance Quote Today

Whether you are a sole proprietor tradesperson or a multi-crew contracting company, Boardwalk Insurance builds contractor insurance programs that fit your work, satisfy your contract requirements, and protect your tools and livelihood. We compare quotes from 30+ Canadian carriers with no obligation, and most contractors receive a quote within one business day.

Speak with a licensed contractor insurance advisor at +1-416-477-9771 or email sales@myboardwalk.ca. Our office is at 10 Great Gulf Dr, Suite 202, Vaughan, ON L4K 0K7. Business hours are Monday to Friday, 9AM to 5PM EST.

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• RIBO Registered Broker — Ontario Licensed
• 5-Star Rated — 69+ Verified Reviews
• 15+ Years Experience in Contractor Insurance
• 30+ A-Rated Canadian Carriers
• Same-Day Certificate Issuance
• Serving All Provinces Except Quebec
• Dedicated claims support