Custom-built insurance for contractors
and trades professionals.
Get a quote, choose your coverage and buy online in minutes. With your policy documents delivered straight to your inbox, you can get back to the job.
Confidence from the truck to the job site and everywhere in between.
Whether you’re a contractor, subcontractor, or skilled trades professional, your work comes with real risks—on job sites, on the road, and in your day‑to‑day operations. aha’s trades and contractors insurance helps protect your business from costly claims, damaged equipment, and unexpected disruptions.
From plumbers and electricians to carpenters and general contractors, the right insurance coverage ensures you can keep working with confidence.
We tailor coverage to your business. Most policies include:
Commercial General Liability Insurance
Protects your business if you’re responsible for property damage or bodily injury. For example: If a client trips over your equipment or your work causes damage to a home, liability insurance helps with legal fees and compensation.
Business Interruption Insurance
Helps cover lost income and expenses if work is temporarily halted due to an insured event.
Professional Liability (E&O) Insurance
Protects you against claims related to mistakes, errors, or advice that lead to financial loss.
Tools & Equipment Insurance
Covers repair or replacement of tools if they’re stolen, lost, or damaged on-site, in storage, or in transit.
Surety Bond Protection
Surety insurance helps guarantee your work, fulfill contractual obligations, and comply with legal or regulatory requirements within your industry.
Commercial Auto Insurance
Covers vehicles used for work, including vans, trucks, and trailers transporting tools or materials.
Understanding your business is our priority.
Protect your equipment, vehicles, finances, and reputation to land more contracts and grow your business. Get a quote and purchase your customized policy in minutes.
Working in the trades means managing risk.
Even a small mistake or accident can lead to significant financial consequences.
In Ontario, you may need insurance to:
Meet client or contractor requirements
Work on commercial or residential job sites
Protect against lawsuits and liability claims
Safeguard your tools, vehicles, and income
Many clients and project owners won’t hire uninsured contractors, making insurance essential for growing your business.
Who Needs Trades & Contractors Insurance?
Trades and contractors insurance is designed for a wide range of professionals in Ontario, including: general contractors, electricians, plumbers, carpenters, HVAC technicians, landscapers, painters and renovation specialists.
Whether you’re self‑employed or running a small team, having the right coverage protects both your business and your reputation.
Common Risks for Contractors and Trades Businesses
Even experienced professionals can face unexpected situations, including:
Job site accidents or injuries
Property damage caused during work
Theft of tools or materials
Vehicle accidents while on the job
Disputes over work quality or performance
Trades Insurance helps reduce the financial impact of these risks so you can keep your business moving forward.
LOCK IN TRADES & CONTRACTORS INSURANCE
The right insurance means growth with confidence.
From taking on larger projects, to meeting insurance requirements for job sites, building trust with clients and partners, and avoiding costly setbacks from claims or losses: We can help you manage the insurance side of running a successful business.
Trades & Contractors Insurance FAQs
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While not always legally required, many clients, contractors, and job sites require proof of insurance before work begins.
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Costs vary depending on your trade, experience, revenue, and coverage needs. Many small businesses find coverage affordable compared to potential claim costs.
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Most contractors need a combination of:
General liability insurance
Tools and equipment coverage
Commercial auto insurance (if using vehicles for work)
Professional liability coverage
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Coverage depends on your policy. You may need to ensure subcontractors carry their own insurance or add coverage as needed.
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Yes! Trades and contractor insurance policies can be tailored to your specific risks, industry, and business size.