Contractor Insurance
Commercial Insurance For Contractors
Ambroziak & Rao Insurance Brokers have been insuring contractors all of the Greater Toronto Areas since 2009.
Our team of licensed commercial insurance brokers offer custom insurance policies for your unique business. contractors often do not have the time to call many different insurance companies. Ambroziak & Rao will do all the hard work for you.
We get contractor CGL (commercial general liability) insurance quotes from Canada’s top commercial insurers so that you can focus on what you do best.
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.
Contractor CGL Insurance
Commercial General Liability coverage with $1M, $2M and $5M liability limits tailored to your 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 Who Know The Contracting Business
At Ambroziak & Rao, we have a team of experienced licensed commercial insurance brokers who are ready to quote your contractor business and can quickly help existing clients with any change requests needed. From Certificates of Insurance (COIs) requests to policy updates, our team is here to help.
We understand that contractors not only want the best pricing and coverage but speed as well. Sometimes business deals can happen quick, and the main hurdle preventing the job from starting or from money being released is a proof of insurance certificate. At Ambroziak & Rao Insurance Brokers, we understand the needs of our commercial contracting clients and will do everything we can to provide you with the required insurance documents in a timely manner.
Proof of Insurance can be required for a number of reasons. In most cases, a contractor will need to prove to a potential client that he/she has current and active insurance. In some cases, the client will require proof that the work being done is covered and not just a general CGL policy. Often times, a client may want to be added to a contractors insurance policy as a named or additional insured. Whatever the reason, our licensed brokers will be here to help.
“Insuring Contractors in the Greater Toronto Areas Since 2009!”
Brokers who know your Business
Brokers That Know The Contracting Business
Ambroziak & Rao Insurance Brokers has been insuring contractors since they opened their doors in 2009. In fact, contractors are the most common type of business that our brokers insure. We have insured many contractors all over the Greater Toronto Area and many in Mississauga specifically.
We have built strong relationships with top underwriters from Canada’s top commercial insurance companies. In many cases, we can finalize a custom policy at a great price within a day!
Please reach out to us at 905 366 0066 and one of our licensed commercial brokers will be happy to help.
Types Of Contractors We Insure
We offer insurance for residential and commercial plumbers of all sizes throughout the Greater Toronto Areas.
Offering coverage for residential., commercial and industrial electricians. From one man operations to large companies.
We have insured many clients in the Janitorial Services industry throughout Mississauga, Oakville, Burlington and surrounding areas.
Insurance for your heating, ventilation and air condition business.
We have insured many flooring and tiling contractors over the years all around the GTA
Insurance for businesses that offer a variety of tasks for their clients.
Insure your landscaping business along with any commercial autos used!
Insuring small and large residential or commercial property renovators.
Concrete Contractors
Find the right coverage for your concrete business.
Great rates for small and large painting companies around the Greater Toronto Areas.
Find a competitive Commercial General Liability policy for your woodworking business.
Window Cleaners
insure your window cleaning service correctly.
Secure a CGL policy for your drywalling business in the GTA.
We offer great rates and coverage for our general contractor clients.
Pressure Washers
If you pressure wash as a service, ensure it is covered correctly with a CGL policy.
And Many More!
Call our Mississauga office at 905 366 0066 and we will happily help you out!
What Insurance Policies Should A Contractor Have?
Whether you are a solo contractor working in residential homes or a major contractor with large projects, the risks are very similar.
Below are some common insurance policies contractors choose to purchase:
- Commercial General Liability (CGL) tailored to your contracting business. This could range from liability limits as little as $1,000,000 if you do small residential work to $10,000,000+ for specialized contractors with multi-million dollar projects all over Ontario.
- Tools And Equipment Coverage. As a contractor, you likely have tools and equipment that are required for your job. These could be insured with tools and equipment coverage which could be added for a small fee.
- Commercial Auto Insurance For Contractors. The biggest mistake a contractor can do with their vehicle is using their personal car as a commercial vehicle. If you carry tools in your vehicle and travel to clients and businesses for work, your vehicle should be insured with a commercial auto insurance policy. Personal auto insurance policies could deny claims and cancel your policy for material misrepresentation.
- Fleet Insurance. If you are a contractor with five or more vehicles, you could qualify for a fleet insurance policy. These are generally better priced and more flexible compared to standard individually rated commercial auto insurance policies.
- Property Insurance. If your contracting business also has a unit that you own or lease, you may require property coverage as well.
Do You Offer Builder's Risk Insurance?
Yes, at Ambroziak & Rao Insurance Brokers, we do offer Builder’s Risk Insurance coverage.
As a contractor, you should always advise your client to purchase a builders risk policy. This covers the client’s investment if they are building a home should something happen while the home is being built.
The client can decide how much supplies coverage, liability, soft cost vs hard cost coverage they require.
For a Builders Risk insurance policy, please speak to our licensed brokers at 905 366 0066.
Insurance Renewal Do's and Don'ts
Every year insurance companies send renewals to you for review. You need to review them annually and if any changes or updates to your business insurance are required, please notify our team and we will help. Below are some common Do’s and Don’ts:
DO’S:
- Notify your insurance broker of any changes to your business (ex: your business expanded or you offer a new service).
- Review your policy package every year.
- Contact your insurance broker if you miss a payment to avoid gaps in insurance.
- Notify your insurance broker if you purchased equipment that you want covered. This is not automatically added.
DONT’S
- Do not let your policy lapse on renewal. If you had any payment issues, notify your broker immediately.
- Do not offer clients a service that is not disclosed to your insurer. Certain services may not be covered.
- Do not neglect to notify your insurance brokerage if you expanded your business and your revenues have drastically increased. Insurance companies look at your revenue to determine the size of your operation.
What Questions Will Your Broker Have For your Contracting Business?
When getting a quote for your contracting business, our brokers will have a couple questions for you in order to provide the more custom insurance solution. Below are some to be prepared to answer:
- When did you start you start contracting?
- Do you have a specialty trade?
- What are your anticipated annual revenues?
- Do you have any big pieces of equipment you need to insure?
- How much tool coverage would you like?
- Do you have any work vehicles?
- How many years of prior experience do you have?
- How many employees do you have?
- Do you currently have insurance?
- Have you ever had any claims?
- Are you the only owner of the business?
Why Choose Ambroziak & Rao To Insure Your Contracting Business?
At Ambroziak & Rao Insurance Brokers, our licensed commercial insurance brokers have insured many contractors over the years. We understand their unique needs and do everything possible to help. From offering great pricing to providing speedy service.
Our brokerage is able to offer great commercial insurance rates because of our contacts in the commercial insurance space. When quoting a contractor, we take their coverage requirements and we shop them with Canada’s largest and most recognized insurance companies and offer the clients only our best solution.
Once a policy is created, we are committed to providing excellent service for updates, change requests, certificates and new policies.
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 contractor insurance related questions. Speak to one of our licensed insurance brokers today!
?
Majority of insurance companies require a customer to speak with a licensed insurance broker in order to obtain commercial insurance coverage for their business.
As brokers, we have access to many commercial insurance companies and are able to secure competative rates for your business.
Yes, Ambroziak & Rao is a RIBO licensed insurance brokerage operating under license 3428. You can search us at the RIBO Brokerage Search.
Making changes to your Contractor 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.
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.
Once a policy is purchased with Ambroziak & Rao Insurance Brokers, that is the start of our partnership! We recommend you save our number in your contact list.
If your business has any changes over the years such as a new address, a new service offered or new employees, please reach out to us and we will update your policies.
As a Contractor, you may focus on one service or many. We offer insurance for most services such as: plumbing, electrician, handyman, flooring, HVAC, cleaning services, carpenter, sprinkler installation, general contracting, and many more.
Please call our office at 905 366 0066 for more information!
Contractor Insurance Quote
T: (905) 366 0066
F: (905) 276 5373
408-250 Dundas St W Mississauga ON L5B 1J2