Protect your tools, vehicles, and projects with tailored coverage for Ontario contractors. From independent tradespeople to large construction crews, contractors face unique risks every day—whether it’s damaged tools, job site accidents, or liability claims. Contractors insurance provides comprehensive protection for your livelihood. Regal Insurance works with Canada’s top insurers to compare policies and secure the right coverage for your trade, at the best possible price.
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“At Regal Insurance, we know the risks contractors face on the job—liability, theft, property damage, and project delays can all threaten your business. That’s why we compare quotes from Canada’s leading insurers to find the right mix of coverage for your trade.
With Regal, you can:
Reach out today for your free contractor insurance quote.”
From protecting your physical space to securing your operations, Regal Insurance offers tailored business insurance solutions across industries. Explore our most popular commercial insurance products below to build a coverage plan that fits your unique business.
Protects your business against third-party injury, property damage, and legal claims—an essential layer for any operation.
Covers lost income if your business is forced to temporarily close due to insured events like fire or equipment breakdown.
Whether you operate a single service van or a full delivery fleet, we offer coverage that keeps your vehicles and drivers protected.
Whether you own a storefront, office, or warehouse, we offer coverage that keeps your building, contents, and operations protected.
Protects your business from data breaches, cyberattacks, and privacy claims with dedicated digital risk coverage.
Helps cover the repair or replacement of critical machinery after mechanical or electrical failure.
Covers legal costs and damages if your product or service causes harm, loss, or injury.
Specialized coverage for commercial landlords, property managers, and vacant landowners across Ontario.
Insurance packages designed for storefronts, restaurants, spas, and hotels—covering everything from inventory to liability.
Commercial insurance doesn’t need to be confusing. At Regal Insurance, we simplify the process by comparing quotes from top Canadian providers to find the right protection for your business property, assets, and operations.
As an independent brokerage, we work for you, not the insurance companies. Our licensed Ontario brokers understand local regulations, industry risks, and what matters most to business owners like you.
From small startups to multi-location operations, we proudly support businesses across Ontario—including Kitchener, London, Mount Brydges, Cambridge, and Oakville.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
Fill out this short form and get your free, no-obligation contractors & trades quote today!
Contractors insurance is a purpose-built package that protects tradespeople from the wide range of risks they face on every job. From stolen tools and damaged vehicles to slip-and-fall claims on a worksite, the right coverage keeps your projects moving forward and your business financially secure. At Regal Insurance, we tailor contractors insurance to your trade so you can focus on building, fixing, and growing—without worrying about what-ifs.
Your tools are your livelihood. This coverage protects hand tools, power equipment, and heavy machinery against theft, loss, or accidental damage—whether they’re on-site, in storage, or in transit between jobs.
One of the most critical protections for contractors. If your work causes injury to a third party or damage to property, this coverage handles medical costs, repair bills, legal defense, and settlements—so one accident doesn’t put your business at risk.
Most contractors rely on trucks, vans, or trailers every day. This coverage protects your vehicles, drivers, and the cargo or tools they carry against accidents, theft, and liability while on the road.
Your materials don’t become part of the property until they’re installed. This coverage protects building materials, fixtures, and supplies while they’re being transported, stored, or worked on—ensuring your investment is safe until the job is complete.
Protects against claims related to accidental spills, hazardous fumes, or environmental damage caused during your work. Essential for trades that handle chemicals, solvents, or waste.
If a fire, flood, or equipment breakdown forces you to pause projects, this coverage helps replace lost income and cover operating expenses so you can recover without derailing your business.
Provides an extra layer of protection by extending your liability limits. Critical for contractors working on large projects or under contracts that require higher coverage thresholds.
More contractors are storing client information, quotes, and payment details digitally. This coverage protects against the costs of cyberattacks, data breaches, and privacy claims.
We partner with Canada’s top insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Contractors need strong insurance, but that doesn’t mean overpaying. Regal brokers know the strategies Ontario tradespeople can use to keep costs competitive without cutting corners on protection.
Combine liability, auto, property, and tool coverage into one contractors package. Bundling simplifies management and unlocks meaningful multi-policy discounts.
Insurance companies reward contractors who demonstrate proactive risk management. Keeping worksites clean, enforcing safety protocols, and providing proper training can help reduce both accidents and premiums.
Higher deductibles lower your monthly premium—but they also increase your out-of-pocket costs in a claim. Our brokers help you find the sweet spot that balances savings with manageable risk.
Insurance companies look closely at your track record. Preventing avoidable accidents, documenting safety practices, and handling small issues before they become claims all contribute to lower long-term premiums. A clean history makes your business a preferred risk for insurers.
Your operations, assets, and risk profile change over time. Reviewing your policy annually ensures you’re not overpaying for outdated or excessive coverage.
Want more insights on how to reduce insurance costs for your business? Visit our Help Centre to explore practical guides on policy optimization, risk management, and commercial insurance best practices.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
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Contractors insurance combines several essential protections into one package tailored for trades and construction professionals. This includes coverage for:
It’s important to note that standard contractors policies may not cover pollution, cyber risks, or professional errors unless added by endorsement.
Contractors insurance is not legally mandated across all trades, but it is frequently required by clients, municipalities, and general contractors as a condition of bidding or working on projects. Many contracts stipulate minimum liability limits, proof of auto coverage, and evidence of tools & equipment insurance. Even without contractual obligations, carrying coverage is considered essential to protect your business and meet industry expectations.
Any individual or business offering trade or construction services in Ontario should carry contractors insurance. This includes:
If your work involves tools, job sites, or client property, this insurance helps protect against financial loss.
Premiums vary depending on trade, project size, claims history, and coverage options. Smaller contractors may pay a few hundred dollars annually for basic liability coverage, while larger firms with fleets and multiple employees may pay thousands per year. Tools & equipment value and project risk levels also directly affect pricing.
Several factors determine your costs, including:
Yes, contractors can lower insurance premiums by:
An experienced broker can help you optimize coverage without sacrificing protection.
General liability insurance only covers third-party injury or property damage claims. Contractors insurance is broader, combining liability with tools & equipment, commercial auto, and installation coverage into one package. In short, CGL protects against lawsuits, while contractors insurance also protects the physical assets and operations specific to trades.
Yes, tools and equipment coverage is a standard feature. It protects your tools, machinery, and gear against theft, loss, or damage whether they’re on-site, locked in a vehicle, or in storage. Larger equipment like backhoes, compressors, or lifts can also be covered, but may require separate endorsements depending on value.
Not automatically. Subcontractors typically need their own insurance, and many contracts require proof of it before they’re allowed on-site. However, you can extend coverage or require endorsements if subcontractors are an integral part of your operations. Always confirm coverage terms with your broker to avoid gaps.
Most Ontario contractors carry between $2–5 million in liability coverage, depending on trade, project scope, and client requirements. Large municipal or government contracts may require even higher limits. A broker can help determine the right balance of protection and cost.
Yes. Contractors often bundle liability, commercial auto, equipment, and property coverage into a package policy. Bundling can simplify administration and reduce costs while ensuring there are no coverage gaps between separate policies.
Absolutely. Regal Insurance offers personalized service through our brokers, available via phone, email, or in-person consultations
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