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Oracle RMS Insurance

Contractor Insurance

Industry Insurance — Oracle RMS Insurance

Contractor Insurance

Insurance for tradespeople and specialty contractors — electricians, plumbers, roofers, renovators, landscapers, and more.

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Contractors face unique insurance exposures on every job site — third-party injuries, property damage, tools and equipment theft, vehicle accidents, and completed work claims. A standard business owner's policy is rarely sufficient. Oracle RMS builds contractor insurance programs that match your trade, your contract requirements, and your risk profile — whether you are a sole proprietor or a multi-crew operation.

Who needs this coverage?

All specialty trade contractors including electricians, plumbers, HVAC technicians, roofers, renovation contractors, landscapers, concrete contractors, home builders, and any tradesperson working on residential or commercial projects.

Sub-trades we regularly insure include: Electricians, Home Builders, Landscaping & Lawn Care, Plumbing Contractors, Concrete Contractors, Renovation Contractors, and Roofers. Each trade has specific coverage requirements and risk profiles — our brokers understand the differences and will match your program accordingly.

Key coverages

  • Commercial general liability
  • Tools and equipment floater
  • Commercial auto (work trucks and vans)
  • Contractor pollution liability
  • Installation floater
  • Completed operations liability
  • Subcontractor liability
  • Tenant legal liability
  • Umbrella / excess liability

Frequently Asked Questions

What insurance does a contractor need in Canada?
At minimum, contractors need commercial general liability insurance. Most also need tools and equipment coverage, commercial auto, and completed operations liability. Specific trades may have additional requirements — for example, roofers often need higher CGL limits.
Does my personal auto insurance cover my work truck?
No. Personal auto policies exclude regular business use. Any vehicle used to carry tools, transport materials, or travel to job sites requires a commercial auto policy.
What is completed operations liability?
Completed operations liability covers claims arising from work you have already finished. For example, if a plumbing repair you completed causes water damage months later, completed operations coverage responds to that claim.
Do I need insurance as a sole proprietor contractor?
Yes. Sole proprietors face the same liability exposure as incorporated contractors. Many general contractors and homeowners require proof of insurance before allowing any tradesperson on site.
What is a tools and equipment floater?
A tools and equipment floater covers your hand tools, power tools, and small equipment against theft, loss, and damage — on site, in your vehicle, or at your shop. Standard property policies often exclude tools away from your premises.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.