General Contractor Insurance
Commercial Insurance For General Contractors
Ambroziak & Rao Insurance Brokers has been insuring general contractors (GC) in the Greater Toronto Area (GTA) since 2009.
General contractors are very hard working individuals who need to have deep understanding of many trades. As a general contractor, you take on jobs for clients, bring in subcontractors and have a lot of responsibility on your shoulders.
It is important that you purchase the right insurance coverage to ensure your business is covered.
We offer Commercial General Liability and Commercial Auto Insurance quotes from Canada’s largest and most well funded insurance companies.
As a general contractor (GC), time is valuable. Requesting COIs (Certificates of Insurance) can be done quickly and with ease.
Visit our office at 250 Dundas St W Unit 408, Mississauga ON L5B 1J2 or call 905 366 0066.
General Contractors's CGL Insurance
Commercial General Liability coverage with $1M, $2M and $5M liability limits tailored for your general contracting business.
Commercial Auto for Work Vehicles
Cover your commercial vehicles at very competitive rates.
Tools & Equipment
Add tools and equipment floaters to your insurance policy at very low starting rates!
Hauled Trailers
Add a trailer onto your commercial auto insurance policy.
Commercial Insurance Experts That Know General Contracting
At Ambroziak & Rao, we have a team of experienced licensed commercial insurance brokers who are ready to quote your general contracting business and can quickly help existing clients process change requests. We know that COIs (Certificates of Insurance) could be holding up an entire project, and for that reason will do our best to supply them in a quick and efficient manner.
Whether you are doing small residential renovations such as basements, kitchens or washrooms or larger commercial projects, we can help find the right insurance solution for you.
Our team is ready to help you shop the commercial insurance market and find the best insurance rates for your coverage requirements. We have some of the best rates for general contractors and their commercial auto policies.
Please call our licensed commercial insurance brokers at 905 366 0066 or stop by our Mississauga office.
“Our Insurance Experts Know The General Contracting Business!”
What Insurance Policies Do General Contractors Need?
Whether your a large general contracting company with teams of employees or a self-employed solo GC, you have risks that you are exposed to.
Our team understands that although they sound similar, there are differences between a “general contractor” and a “contractor”. A contractor commonly specializes in a single trade such as an drywaller, electrician or painter. A general contractor is hired to oversee a project or renovation and commonly also sub-contracts certain trades such as flooring, carpentry or HVAC.
In most cases, since a general contractor has additional exposure, a general contractors liability policy will be more expensive than that of a standard contractor.
One important piece of advice to general contractors: always secure proof of insurance (certificate of insurance) from any subcontractors you hire. Certain general contractor policies could deny claims if you failed to do that.
Some of the common policies many general contractors (GC) have include:
- Commercial General Liability (CGL) tailored to your general contracting business. This could range from liability limits as little as $1,000,000 if you do small residential renovations to $10,000,000+ for general contractors who oversee large projects with many employees.
- Tools And Equipment Coverage. If you have tools and equipment that you would like covered, this can usually be added onto your general contractors CGL policy for a small fee.
- Commercial Auto Insurance For General Contractors. Many general contractors make the big mistake of using a personal vehicle as a work truck and keeping their personal auto insurance activated on it. As this is a commercial work vehicle, a personal insurance policy could deny any claims that arise. Speak to your insurance broker and get a commercial auto insurance quote to protect your assets.
- Property Insurance. If your company has a unit that clients visit or where you store equipment, you may require a commercial property policy.
- Builders Risk Insurance. Depending on the project, you may require a builders risk policy to cover the soft and hard costs of the building you are working on. Sometimes general contractors request that their clints purchase the builders risk directly. The general contractor will need to provide certain details to the insurer including their last couple projects.
What Questions Will Your Broker Have For General Contractors?
When getting a quote for your business, our commercial insurance brokers will have a couple questions for you. Below are some to be prepared to answer:
- When did you start your business?
- Are you incorporated?
- How many employees do you have?
- What percent of work is sub-contracted out?
- What are you last three projects and what work was done?
- Do you get proof of insurance from all sub-contractors? (This is very important as your liability policy could deny claims if you haven’t secure a certificate of insurance or weren’t added as an additional insured on your subcontractors policy)
- How many years of prior experience do you have?
- Do you currently have insurance?
- Have you ever had any claims?
- Are you the only owner of the business?
What Types of General Contractors Do You Insure?
At Ambroziak & Rao, we insure many types of General Contractors! Some of the companies we have insured in the past include:
- Residential General Contractors (Solo)
- Small Renovators
- Commercial General Contractors
- Property Builders
- Commercial Renovators
- Basement Renovators
- Kitchen Remodelers
If your general contracting business is unique, we would love to hear about it and get a custom quote for you!
Call 905 366 0066 or visit our Mississauga office!
Why Choose Ambroziak & Rao To Insure Your General Contracting Business?
At Ambroziak & Rao Insurance Brokers, we have been insuring general contractors since 2009 and we understand how they do business.
They are very busy people with a lot on their minds. They appreciate speed and transparency. Our team knows this and will do everything to provide excellent customer service and speedy turnaround times on quotes and change requests.
We also offer very competitive commercial insurance quotes by getting rates from Canada’s top insurance companies and presenting you with the best option.
Call us today and get a Commercial General Liability (CGL) and commercial auto quote today. 905 366 0066. Rates can start for as little as $69.00 per month!
Director & Lead Broker
Lidia Ambroziak
T: (905) 276 9597
C: (416) 737 9647
E: lidiaa@pbnet.ca
Director & Lead Broker
Harish Rao
T: (905) 276 9495
C: (416) 420 2383
E: hrao@pbnet.ca
Customer Success
Margaret Bara
T: (905) 366 0066
F: (905) 276 5373
E: mbara@pbnet.ca
Customer Service
Anu Kaur
T: (905) 366 0066
F: (905) 276 5373
E: akaur@pbnet.ca
Customer Success
Teresa Klubinski
T: (905) 366 7530
F: (905) 276 5373
E: teresak@pbnet.ca
Frequently Asked Questions
We are more than happy to answer any and all of your general contractor insurance related questions. Speak to one of our licensed insurance brokers today!
?
Yes, Ambroziak & Rao is a RIBO licensed insurance brokerage operating under license 3428. You can search us at the RIBO Brokerage Search.
In most cases, Ambroziak & Rao Insurance Brokers do not charge the client any fees.
Our compensation is paid by the insurance companies only once a client signs up for a commercial policy with our brokerage. For more information, please visit our disclosures page.
Making changes to your insurance policy has never been easier!
Contact our team at 905 366 0066 and one of our customer success managers will happily assist you.
If you would like to call our team at Ambroziak & Rao Insurance Brokers, you can call 905 366 0066, or visit our Mississauga office at 250 Dundas St W Suite 408 Mississauga ON L5B 1J2.
Generally policies do not cover sub-contractors and we highly recommend that you verify the insurance policies of any sub-contractor that you hire.
If you plan to hire sub-contractors, please speak with our team at 905 366 0066.
General Contracting Insurance Quote
T: (905) 366 0066
F: (905) 276 5373
408-250 Dundas St W Mississauga ON L5B 1J2