Contractor insurance checklist

• Read the insurance clause in the contract: limits, additional insureds, notice periods
• Confirm your CGL limit meets the contract (commonly $2M, sometimes $5M)
• Confirm completed operations coverage is included
• List tools and equipment with values for your floater
• Check theft conditions for tools in vehicles and trailers
• Confirm work vehicles are on a commercial auto policy
• Collect certificates of insurance from every subcontractor
• Get your WSIB clearance certificate if required
• Ask about installation floater or builder’s risk for larger jobs
• Disclose any roofing, height work, demolition or hazardous materials
• Track revenue and payroll, since premiums are often based on them
• Know who to call and what to document if something goes wrong on site

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Learn more: Contractor Insurance