Contractor Insurance Application Submission of this information does not represent a binding of any insurance contract or agreement. Additional information may be required in order to get an accurate quote of insurance. Business Details Applicant Information:Are you applying as an:(Required)IndividualPartnershipCorporationJoint VentureOther (Specify):Business Name:Full Legal Business Name:(Required)Principal(s) Name(s):(Required)Subsidiaries, Partners, or Joint Ventures (if applicable):Please confirm that all the following statements are accurate before proceeding: No insurance has been declined, canceled, or non-renewed. No claims have been made for the business, properties, or partners. There are no known situations that could result in a claim. No professional disciplinary actions involve the company or staff. No other businesses require coverage. No members have criminal convictions or ties to failed companies. No bankruptcies involve the business or its members. Confirmation:(Required) I confirm all the above statements are accurate. Contact Information:PhoneEmail Business Address Street Address City AlbertaBritish ColumbiaManitobaNew BrunswickNewfoundland and LabradorNorthwest TerritoriesNova ScotiaNunavutOntarioPrince Edward IslandQuebecSaskatchewanYukon Province Postal Code Website Address (if available): Operational Information Experience:Number of years your business has been in operation:(Required)Describe the work experience of the principals or key personnel:(Required)Please Choose Which Work Best Describes Your Trade – If More Than One Please Add BelowCarpentersCleanersConcrete WorkDemolitionDrywallElectricianExcavationFencingFlooringGeneral ContractorHVACInsulationLandscaper (Excluding Snow Removal)Landscaper (Including Snow Removal)Masonry & BricklayingPaintingPest ControlPlumbersRenovation ContractorRoofersSidingSign InstallationSolar Panel InstallationStuccoTelecomTilerWaterpoofingWindow and Door InstallationOtherOther: Please DescribeWhat is the Annual Revenue From The Selected Trade – If Just Starting Out, Please Put Estimate of First Year Revenue(Required)Add Additional Trade? Yes No Additional Trade: Please Choose Which Work Best Describes Your Trade – If More Than One Please Add BelowCarpentersCleanersConcrete WorkDemolitionDrywallElectricianExcavationFencingFlooringGeneral ContractorHVACInsulationLandscaper (Excluding Snow Removal)Landscaper (Including Snow Removal)Masonry & BricklayingPaintingPest ControlPlumbersRenovation ContractorRoofersSidingSign InstallationSolar Panel InstallationStuccoTelecomTilerWaterpoofingWindow and Door InstallationOtherAdditional Trade: What is the Annual Revenue From The Selected Trade – If Just Starting Out, Please Put Estimate of First Year Revenue(Required)Add Additional Trade2 Yes No Additional Trade 2: Please Choose Which Work Best Describes Your Trade – If More Than One Please Add BelowCarpentersCleanersConcrete WorkDemolitionDrywallElectricianExcavationFencingFlooringGeneral ContractorHVACInsulationLandscaper (Excluding Snow Removal)Landscaper (Including Snow Removal)Masonry & BricklayingPaintingPest ControlPlumbersRenovation ContractorRoofersSidingSign InstallationSolar Panel InstallationStuccoTelecomTilerWaterpoofingWindow and Door InstallationOtherAdditional Trade 2: What is the Annual Revenue From The Selected Trade – If Just Starting Out, Please Put Estimate of First Year Revenue(Required)Add Additional Trade 3 Yes No What Percentage of All Work is – Please enter the percentage. :ResidentialPlease enter a number less than or equal to 100.CommercialPlease enter a number less than or equal to 100.IndustrialPlease enter a number less than or equal to 100.Total:15. Specialized OperationsDo you engage in the following? (Check all that apply) OR None of the Above #10 if Nothing:1. Structural and Foundation Work: Structural Work (e.g., framing, load-bearing modifications) Excavation, Foundation Work, or Waterproofing Underpinning or Shoring 2. Underground and Heavy Construction Underground Work (Utilities, Pipelines, Sewers Bridge, Tunnel, or Dam Construction Raising or Moving of Buildings 3. Specialized Systems and Insulation Elevator/Escalator Work Alarm or Sprinkler System Installation Spray Foam Insulation 4. Hazardous or High-Risk Activities Blasting, Use of Explosives Handling or Removal of Hazardous Materials (e.g., Asbestos, Lead,) Crane Operations or Heavy Equipment Rental/Operation Use of Drones or Robotics Oil Tank Work Work Which Requires any Licensing Do You Own or Operate Any Watercraft or Airplanes Roofing Work 5. Elevated and Specialty Locations Work Inside High-Rise Buildings Over 3 Stories Exterior Work Above 3 Stories Work at Amusement Parks or Stadiums Work at Airports, Nuclear Facilities, Offshore Sites, Gas/Oil Facilities, or Mines 6. Heat or Flame-Generating Work Do You Perform Any Work That Generates Heat or Flame? 7. Public and Institutional Work Work at Public or Private Playgrounds Work at Schools or Daycares 8. Seasonal or Location-Specific Work Snow Removal Work Work Outside of Canada Work Using Watercraft or Airplanes 9. Design or Architectural Work Design, Engineering or Architectural Work 10. None of the Above(Required) None of The Above Activities Are Engaged In (1-9) Specialized Operation DescriptionDescribe the type of work done, how much it accounts for your business % wise and any precautions that you take when doing type of work.Employment and Subcontractors Employees:Number of Full-Time Employees:(Required)Number of Part-Time Employees:Are all employees covered under WSIB?(Required) Yes No If No, provide details for non-covered employees (occupation/number/payroll):(Required)Subcontractors:Do you subcontract any work?(Required) Yes No Estimated Subcontracted Receipts: $(Required)How Much of Your Annual Revenue is Subcontracted OutDescribe subcontractor work:(Required)Describe All Work Performed by sub-contractorsAre formal contracts used with sub-contractors?(Required) Yes No Are Certificates of Insurance obtained from all subcontractors confirming at least $2 million in liability insurance?(Required) Yes No Coverages Required 1. Commercial General Liability (CGL)(Required) $2M $5M $10M More Protects contractors from financial losses if a third party gets hurt or property is damaged because of their work. It covers medical bills, legal fees, and repair costs for accidents like a client tripping over tools or a damaged window during a project. However, it doesn’t cover injury to employees or owners or fixing poor workmanship. 2. Tools Coverage (Optional): Not Required Total Value of Tools: $Protects your tools if they’re stolen, damaged, or lost. It helps cover the cost of repair or replacement, whether your tools are taken from a job site or accidentally broken during work. However, it doesn’t cover normal wear and tear or intentional damage. Coverage is usually on an actual cash value basis. Usually will not pay more than $1,500 per item.3. Equipment Coverage(Optional): Not Required Make:Model:Description:Insured Value: $Protects larger equipment, like machinery or specialized gear, from damage, theft, or loss. It helps cover repair or replacement costs if your equipment is stolen, damaged in an accident, or affected by events like fire or vandalism. However, it doesn’t cover wear and tear or mechanical breakdowns. Coverage is usually on actual cash value basis. Requires info about each piece such as serial, make and model of each equipment to be insured.4. Installation Floater(Optional): Not Required Installation Floater Limits: $25,000 $50,000 $100,000 More Protects materials, equipment, and supplies while they’re being installed or in transit to the job site. It covers losses from theft, damage, or unexpected events like fire during the installation process. However, it doesn’t cover faulty workmanship or design flaws. This coverage ensures you’re not out of pocket if something happens to your materials before the project is complete5. Pollution Liability Coverage(Optional): Not Required Pollution Liability Limits: $1M $2M $5M More Protects your business from claims related to pollution caused by your work, like spills, leaks, or contamination. It covers cleanup costs, legal fees, and damages if the pollution harms people, property, or the environment. However, it doesn’t cover intentional violations or long-term environmental issues. Typically requires a separate policy with a speciality insurance company.If Yes, provide details of operations involving hazardous materials or pollutants:6. Employee Dishonesty Coverage(Optional): Not Required Employee Dishonesty Limits $25,000 $50,000 $100,000 More Protects your business if an employee steals money, property, or other assets. It helps cover financial losses from theft and fraud committed by your staff. However, it does not cover mistakes, errors, or negligence, nor does it provide protection for dishonest acts committed by business owners, partners, or executives.7. Errors & Omissions (E&O) Coverage (Optional): Not Required E&O Limits: $500,000 $1M $2M More Protects your business if a client claims you made a mistake, gave bad advice, or didn’t deliver as promised. It covers legal fees, settlements, and damages related to professional negligence or missed deadlines. However, it doesn’t cover intentional wrongdoing or physical injuries. This coverage is essential for professionals who provide advice or services, helping protect against costly disputes. Typically requires a separate policy.8. Non-Owned Auto Liability(Optional): Not Required Non-Owned Auto Liability Limits $1M $2M $5M More Protects your business against liability claims arising from employees or others driving their personal vehicles for business purposes. It does not cover damage to the personal vehicle itself.9. Umbrella or Excess Liability Coverage (Optional): Not Required Umbrella/Excess Limits: $2M $5M $10M More Provides additional liability coverage beyond the limits of your primary insurance policies, protecting your business against large claims or lawsuits.10. Business Interruption Coverage Due to Insured Risks? (Optional): Not Required Include Provides additional liability coverage beyond the limits of your primary insurance policies, protecting your business against large claims or lawsuits.11. Cyber Liability (Optional): Not Required 11. Cyber Liability (Optional): $1M $2M $5M More Protects your business against financial losses from data breaches, cyberattacks, and other digital threats, covering costs like notification, legal fees, and recovery, but does not cover intentional acts by employees or prior known vulnerabilities.Consent(Required) I agree to the Privacy Policy and acknowledge the Disclosure Statement.
