Finish carpenters Insurance Markets

CGL for electrical, HVAC, plumbing, sprinkler and alarm, carpentry, masonry and stucco, concrete, drywall, tile, glazing, insulation, interior and exterior painting; civil and heavy (excavation, paving, sewer and water main) rated class by class and often referred. Excludes spray painting and steel structures; snow and tree removal refer or sit outside the program. Canadian clients outside Quebec.

General and specialized construction, renovation, installation and service contractors, such as painters, carpentry and masonry, sign and pool installers, welders and landscaping. GL up to $5,000,000, with faulty workmanship, contractors E&O and pollution in most policies. QC, ON, SK, MB, AB and BC. Needs 3 years in business or experience; no underpinning, building raising or snow removal.

Targets electrical (including higher hazard), roofing (excluding hot work), excavation and demolition, HVAC, building raising and moving, welders, underpinning, drywall, waterproofing, carpentry, flooring and cabinet installation, pest control, painters and restoration or remediation. Broad form CGL, blanket additional insured, wrap-up DIC, property, crime, BI and equipment. Minimum premium as low as $650. Not available in New Brunswick.

Also offered: environmental impairment liability for fixed sites, storage tank owners pollution coverage, project specific pollution and environmental contractors and consultants (CGL/E&O).

Trades such as electricians, carpentry, commercial or residential construction and renovation, and excavation: business contents, machinery and equipment, tools and liability, with optional rip and tear.

Property, fleet and garage, farm, umbrella and legal expense for mid-size and larger businesses in manufacturing, commercial realty, business and professional services, contractors and retail.

Contractors liability including roofers and plumbing; contractors equipment also available.

Listed in the broker product library, along with independent contractors.

Electricians, general and renovation contractors, carpentry, glaziers, window and door, concrete forming, welders. GL up to $5,000,000 with property, equipment and tools. Roofers and snow removal not considered; HVAC and plumbers limited.

Small trades including landscaping, appliance installation and repair, residential paving, carpentry, drywall, fencing, flooring, masonry (2 storeys or less), painting, tiling, residential electrical wiring, window and carpet cleaning, locksmiths, solar and small residential construction. Additional limits available.

General contractors and specialized trades. Essentials (smaller operations) and Essentials Plus (larger operations). Tool floater ($2,500 max per item), installation floater, contractors equipment floater ($10,000 max per item, Essentials Plus), occurrence CGL with broad form completed operations, non-owned auto, rip and tear (Plus), crime. Optional building, flood, sewer backup, earthquake.

Online quote.

General trades, civil works, landscaping, clearing, grading and excavating, road building, site services, crane and equipment contractors. CGL, umbrella and excess up to $50M, no general aggregate, contractors E&O, XCU at full limits, hook liability.

Bid, performance and payment bonds for general contractors and construction managers, prime subcontractor trades (mechanical and electrical), road and bridge builders, paving, and utility, water and sewer line contractors.

Shares the risk of severe project loss (bad estimates, poor production, subcontractor default, delay, price escalation, supplier failure) for general, heavy civil and trade contractors; not limited to Travelers surety clients.

Residential and commercial building construction and renovation, carpenters, concrete, excavation (no blasting), fence and deck, heating, electrical and plumbing, landscape, paving, road construction, window, door and siding. Tools and contractors equipment, blanket builders risk (CCDC compliant), wrap-up liability up to $10,000,000, liability up to $15,000,000, umbrella, contractors E&O.

Property and liability in one placement. Strong fit: hospitality, retail and wholesale, small and mid-sized manufacturing, trades and contractors, business and professional services; also restaurants and food vendors, pet care, beauty, bed and breakfasts. Property, business income, equipment breakdown, CGL; optional cyber, terrorism and umbrella or excess.

Residential, executive, commercial and blanket builders risk, buildings undergoing renovation (including heritage and older buildings), condo renovations, wrap-up and commercial liability. Ground-up and projects underway, unprotected or remote locations including islands. Broad form, flood and earthquake may be available; annual adjustable policies may be available.

Project wrap-up liability, part of the Agile construction practice.

Course of construction (CAR) solutions for companies managing construction projects.

General contractors, building and specialty trades, environmental professional firms and environmental contractors. Environmental capacity up to $25 million; environmental excess available.

Mid-market to risk-managed manufacturing, construction, hospitality and casinos, retail and wholesale, commercial realty. Primary GL $10M, umbrella and excess $25M, wrap-up $25M, fleet auto $2M in support. No appetite: residential contractors and developers, pharma and nutraceutical manufacturing, nursing homes, firearms, hospitals and clinics, tobacco, auto and critical auto parts, aviation.

New construction, renovations and alterations, existing structures undergoing work, residential, commercial and industrial projects. Wrap-up liability form available.

Security agencies, fitness centres and sports clubs, leisure, games and events, manufacturing, hydro and thermal plants, welding, blasting, pesticide spraying, construction (hot roofing, wrap-ups, bridges, railways), demolition, asbestos, mould and contaminant remediation. Faulty workmanship and sudden and accidental pollution may be included; excess available.

Packages for contractors including welders, plumbers, demolition and janitors.

Civil, commercial, industrial, institutional and residential projects; includes personal vehicles, light and heavy trucks, specialized vehicles and plated equipment.

Property, liability and commercial auto for large businesses with alternative structures (captives, larger deductibles, retentions). Sectors: financial services, automotive, healthcare, food and beverage, realty, construction, manufacturing, business and professional services, warehousing and wholesale, mining.

Weather-triggered cover (rain day and season, frost and cold day, heat day) for businesses relying on favourable weather, such as construction, property management and events.

GL and wrap-ups to $5M or $25M, excess to $75M, subcontractor default to $25M, professional and pollution to $200M, builders risk; for designers, GCs, design-builders, CMs, trades, P3 concessionaires and developers.

Professional and pollution liability up to $50M for environmental services and construction; pollution and remediation legal liability for property owners, developers, manufacturers, REITs, hospitality, retailers, transportation, waste and recyclers.

Church, contractor, home-based business, office, realty (landlord) and retail insurance.

Packages for offices, retail stores, contractors, churches, B&Bs, wineries, residential rentals and vacation rentals. Options include pollution at insured premises, cyber and data compromise, flood, equipment breakdown, D&O, contingent loss of income and by-law coverage.

Construction product offering and mid-market construction; target class sheet available on the page.

Fixed site policy (manufacturing, warehousing, light industrial, retail, office, educational, landfill, recycling, waste and excess soil sites); contractors pollution (all GCs, remediation, abatement, waste and restoration contractors); consultant pollution (environmental consultants, air quality, compliance firms, labs). SME environmental also offered.

Construction surety (GCs, highway and bridge, water and sewer, electrical and utility, excavation, mechanical, concrete, roofing), environmental surety (remediation, abatement, demolition, fuel tanks), commercial surety (aggregates, energy, financial services, REITs, technology, waste) and developer surety.

Course of construction, cargo, contractors equipment, warehouseman's legal liability, tool and equipment floaters, installation floaters, miscellaneous articles floaters.

Appetite matrix rating (strong, cautious, limited) by line (GL, E&O, environmental, auto, workers comp, umbrella, excess, property, equipment breakdown, inland marine, ocean cargo, multinational, business travel accident, management liability, cyber) for financial institutions, professional services, real estate, contractors, cultural, educational and healthcare institutions, retailers, wholesalers, entertainment, energy, clean technology, manufacturing, technology and life sciences classes. Ratings are colour coded in the PDF.

Course of construction and construction management insurance.

Contractors, manufacturers, hospitality, premises and miscellaneous risks. Products liability application also available. Also quoted online through Mako.

Package for businesses operating in Canada and abroad, with segments for commercial, construction, healthcare, manufacturing, office, oil and gas and technology. Business interruption, CGL, D&O, crime, equipment breakdown, property, umbrella, voluntary workers compensation and employers liability. Customized limits.

Multi-industry and single-industry specialists in construction, financial institutions, healthcare, life sciences, manufacturing, mining, oil and gas, power generation, professional services, real estate, renewable energy, technology, transport and logistics. Auto, CGL, cyber, D&O, equipment breakdown, inland marine, marine, E&O, property, surety, umbrella.

Tower crane questionnaire also available.

Bundled business owner's policy for businesses under $10M revenue with local operations, such as retailers, independent contractors and local offices.

Tools and equipment, builder's risk for projects under construction, and installation floater for materials in transit or on site. Large construction goes to the energy, property and large construction team (specialtyenergyandproperty@economical.com).

Commercial property, commercial liability, boiler and machinery (basic, broad or comprehensive), business interruption, service line, Cyber Suite 2.0 and crime. Industries listed: construction and contracting, retail and wholesale, services and hospitality, manufacturing, transportation, real estate. Start-ups and established businesses. Offered in AB, BC, NB, NS, ON, PE and QC.

One to four commercial vehicles, such as utility vans and pick-up trucks, under its Individually Rated Commercial Auto option. Customer industries listed: restaurant suppliers, HVAC, carpentry, plumbing, construction and roofing. Hospitality businesses can bundle with commercial property and casualty. Offered in AB, NB, NS, ON, PE and QC.

For plumbers, electricians, building contractors, roofers, locksmiths and handymen. Shop building, office contents, installation floater, tool and equipment floater (6 day rentals and 30 day new acquisitions up to $2,500), premises and completed operations liability.

A broad range of contractors.

Contractors equipment only; full contractors package available in JET.

Home business, retail store, church, apartment building owners, agri-business, office, contractors and fine dining packages.

Retail and e-commerce, realty, business services, manufacturing, wholesale and distribution, contractors, transportation and warehousing, among others. $5M in-house authority, higher limits on request. Umbrella/excess can schedule US policies.

Primary and excess contractors liability, limits up to $10M, no minimum premium. Target classes include A/C and refrigeration, HVAC, carpentry, flat concrete (commercial only, no foundation repair), cranes, drywall, fencing, painting, plumbing, siding and decking, well service, water and sewer mains, and 300 more. New companies need 2 years experience.

Property and liability for a range of operations, from contractors to manufacturing and wholesale. Extended Coverage Bundle and Contractors Extended Coverage Bundle. Options: Padlock Cyber and Data Protection, legal expense, equipment breakdown and umbrella.

Programs for business and professional services, retail, contractors, automotive, culinary and hospitality, realty, plus BizPak. Building, stock, equipment, equipment breakdown, commercial liability, crime and business interruption.

Apartment and residential rental, church, contractor's, home based business, office and retail packages, or a customized policy. Building, contents, equipment breakdown, business interruption, crime, liability, plus Data Compromise and CyberOne coverage.

Primary, excess/umbrella and construction wrap-up. Contractors, excavation, electrical, plumbing and mechanical, blasting and shoring, welding, carpentry, oil and gas, mining, forestry, public sector, snow removal, roofing. Wholesale and manufacturing excess/umbrella over $100M including US exposure.

All types of construction. About CAD 30M for wood frame (up to six storeys), over CAD 150M for non-combustible projects. Contractors equipment from road building and excavation to cranes and drilling, including some challenging loss histories.

Commercial property, mobile property (tools and equipment between job sites), CGL, commercial vehicles and surety bonds for contractors and construction businesses.

Contractor P&C package (excavation, blasting, demolition, civil infrastructure, complex and hazardous operations) and project construction (civil, erection and building projects meeting certain criteria).

Welding and machining workshops, vacant buildings, retailers, construction contractors, forestry and mining contractors, wholesalers and manufacturers, seasonal risks. Equipment breakdown available.

General contractors (existing or start-up, experienced) including faulty workmanship and contractor E&O; new construction and renovation contractors; industrial mechanics, electromechanics and welding contractors; roofers (cold process or heat application); plumbing and electrical contractors; snow removal; manufacturers and distributors including US sales and manufacturers E&O. Umbrella and excess also offered.

All types of construction in protected and unprotected areas, self build, and contractors equipment schedules.

Engineers and architects, contractors, life science, consultants and various professionals, gyms and fitness centres, beauty salons and spas, technology consultants, media companies.

Decontamination costs and third-party damage. Construction, demolition, forestry, transportation and excavation contractors; sanitation contractors; storage tanks and locations; asbestos removal; disaster cleanup and remediation contractors.

Residential rental, commercial realty, church, office, contractors, home based business, retail stores, wineries and light manufacturing. Options include equipment breakdown, sewer backup, flood, earthquake, crime, cyber, umbrella, business interruption and professional liability for certain professions.

Retail, offices, apartment owners, churches and contractors, including loss of income protection.

Multi-line for mid to large construction: A&E E&O, commercial auto, commercial and contract surety, contractors E&O, contractors pollution, course of construction, project cargo, projects E&O, U.S. workers compensation and wrap-up liability.

Onshore course of construction coverage.

Primary and excess wrap-up liability for commercial projects.

Builders risk and wrap-up for building construction, renovation, civil and light engineering projects; property and liability package for a wide variety of contractors.

CCDC compliant wording, completed operations 12, 24 or 36 months, broad named insured, non-owned auto, cross liability. Stand alone or with course of construction. Nationwide excluding Quebec.

Mobile or fixed equipment, replacement cost, rental reimbursement, installation and tool floaters. Nationwide excluding Quebec.

Carpentry, concrete and masonry, debris removal, electrical, HVAC and mechanical, excavation and grading, fencing, general contractors, insulation, landscapers, oilfield, painting, plumbing, utilities, property developers.

Practice or project specific pollution liability for contractors, with optional professional E&O. Limits up to $10M per occurrence and aggregate; minimum premium $4,000 to $5,000. Canada and US.

Products for this industry are listed in the Appetite Explorer.

All trade contractors, HVAC and plumbers, oil and gas, lease site and pipeline contractors, road building and maintenance, excavation and quarrying, general contractors, snow removal (not public roads). Liability up to $10M ($5M primary plus $5M umbrella). Snow removal minimum premium $19,500 AB, BC, MB, SK and $32,500 ON.

Commercial property (all risk or named perils), business interruption, CGL. Classes include contractors, jewellers block, restaurants and fish processors, plus construction, retail, hospitality and manufacturing.

Medical malpractice, architects and engineers, contractors professional, recruitment and staffing, oil and gas, professional services, financial institutions.

Revenue under $5 million (under $3 million for manufacturing and contracting), total insured value under $10 million ($5 million per location), up to nine vehicles. Some classes are excluded by province, for example bars and taverns, plumbing and residential realty in most provinces; check the exclusion table on the page.

Construction, builders risk, manufacturing, wholesale distribution, warehousing, commercial realty. $50M line, quota share or layered, primary or excess; equipment breakdown available. Canadian domiciled risks with incidental US exposure.

Construction, wrap-up liability, manufacturing, wholesale distribution, warehousing, commercial realty. $25M line, primary, excess or umbrella. Canadian domiciled risks; US and international exposures considered.

Contractors with multiple projects or builds in a year. Cost to rebuild including temporary property and incidental property; optional soft costs; CCDC compliant. In-house capacity up to $8,000,000 cat limit; open market for larger limits.

All types of construction projects, including projects already under way. Optional soft costs; CCDC compliant. In-house capacity up to $8,000,000; open market for larger limits.

Builders risk for all types of renovation projects, including heritage facade buildings and condo unit renovations. Optional soft costs; CCDC compliant. In-house capacity up to $8,000,000.

Construction classes including commercial projects, custom homes and multi-unit residential.

Contractors Plus, Contractors Plus Enhanced and Contractors Plus Enhanced excluding Profits.

Retail, office, contractors and church packages. Church package has all perils building and contents. Contractors package includes office contents, earnings, glass and signs, valuable papers, accounts receivable, contingent loss of income and pollution.

Limits up to $25MM+, minimum premium from $500. Eligible classes: construction (contractors, sub-trades, architects, engineers, consultants), manufacturing, real estate (strata corps, boards), energy and resources (oil and gas, mining, forestry, renewables), med science including cannabis, sports and entertainment (subject to sufficient revenues), commercial and non-profit entities.

Contractors equipment schedules of all sizes, minimum premium from $10,000.

Frame: limits up to $100MM+, minimum premium from $50,000. Non-combustible: up to $150MM+, from $10,000. Fire resistive: up to $500MM+, from $10,000. Residential, commercial, institutional, civil, industrial, oil and gas, mining, forestry, renewables and others.

New builds of all types and locations, and renovations. Limits up to $100MM+, minimum premium from $1,500. Phased handover and use of heat options case by case.

Third party liability for owners, developers and contractors under one policy.

First party property damage to the project, materials, fixtures and equipment.

Contractor general liability, available monoline.

Liability for general contractors or owners during early phases such as land clearing and demolition.

Includes a Safety Net clause and Green environment extension.

Designers, builders, general and specialty contractors, civil engineering contractors. Builders risk (wood, non-combustible, civil), contractors package, civil engineering and technical risks, professional liability for construction workers, contractors equipment, environmental impairment liability, surety, wrap-up.

Pollution liability for contractors.

Example classes: janitorial, building contractors, electricians, plumbing, heating and HVAC, general contractors, drywall, painters, residential alarm installers, masonry, excavation, pressure washing, subcontractors, landscapers, carpentry, floor covering, appliance repair, siding, doors and windows. Basic: tool and equipment floater plus CGL. Deluxe adds business contents, installation floater, contractors' equipment, crime and theft, and business interruption. Glass and sewer backup optional. Availability varies by province.

Package for contracting companies: property, tools on site and in transit, liability, crime, loss of income. Optional flood, sewer backup, earthquake, miscellaneous property floater, cyber. Disappearing deductible feature.

Basic package for small independent contractors: tools and equipment, liability, optional coverages.

Classes include landscapers, snow removal, pet care, antique and farmers markets, beauty products, beauticians and barbers, contractors, cosmetics, manufacturers, processors, recycling and sanitation, remediation, retailers, wholesalers and licensed restaurants (not exhaustive). Limits up to $10,000,000, deductibles from $1,000; occurrence form with claims-made option; enhancements include faulty workmanship, product recall, manufacturer's E&O and EPL; worldwide sales available. Excess and umbrella also available.

Contractor's equipment and property, motor truck cargo, mining and oil equipment, forestry and agriculture equipment for logging, civil works, oilfield and road construction, mining, dirt moving, equipment hauling and cranes. All risk wording with no minimum premiums, course of construction, auto physical damage on log trucks and low-beds. Assets insurable from a single item up to $60 to $70 million.

Mid to large commercial, institutional, industrial and infrastructure contractors, general and trade contractors. Specialties: commercial building and renovation, concrete and masonry, electrical, roads, sewer and watermains, small bridges, site preparation and excavation, industrial and millwright, mechanical (HVAC, refrigeration), water well drilling, oilfield service contractors. Builders risk, wrap-up liability, delayed start-up, installation floater, contractors equipment, CGL, umbrella, auto, equipment breakdown, management liability, crime, cyber. Limits not published.

Civil infrastructure, industrial and commercial PPP projects, energy-related projects and operational contractors. CGL up to $5M, umbrella, excess and wrap-up (occurrence, terms up to 120 months including completed operations). Premiums from $25,000 net of commission.

Wrap-up liability, course of construction (builders risk) and project specific EIL.

Primary CGL for licensed contractors, including demolition, blasting, millwrights, rigging and cranes, welders, design/build and wrap-ups.

Builders risk and contractors equipment written under the inland marine product.

Big or small contractors of all types (no snow removal), roofers (hot and cold), welders, HVAC, small trades, and oil and gas.

Pollution claims from contractors' operations at third party job sites, sudden and gradual; cleanup, bodily injury, property damage, defence, mould and asbestos cleanup, fines and penalties where allowable.

Special interest in construction, including wrap-ups and course of construction.

Strong appetite for construction.

Tenant occupied buildings, new or old. Building owners, vacant risks, professional and office exposures, and small to medium contractors.

Focus on contractors, manufacturing, wholesale and distributors, real estate, professionals and technology, from small office exposures to complex contractors.

Property under construction including machinery breakdown, flood and earthquake at full policy limits, contractors pollution, project specific liability and wrap-up liability with completed operations.

For owners, project and construction managers, contractors, subcontractors, architects, engineers and consultants on construction projects.

Bid, performance and labour and material payment bonds for construction companies, service contractors, suppliers and manufacturers.

Classes include automotive, cannabis, construction and sub-trades, food processing, manufacturers, distributors and wholesalers, medical and biotechnology, mining, oil and gas, pharmaceutical and nutraceutical, rail infrastructure, realty, retail, security and USA sales.

Property, business interruption, equipment breakdown and contractors equipment. Classes include construction, contractors, hotels, manufacturing, realty (condominiums and apartments), recycling, retail and sawmills.

All types of commercial, industrial, retail and residential projects. Large limits available.

Shop building, office contents, installation floater, tool and equipment floater (6 day rentals and 30 day new acquisitions up to $2,500), premises and completed operations liability.

Manufacturing, wholesale, retail, contractors and commercial realty, backed by A-rated or better insurers.

CGL for construction contractors, builders risk (including a non-combustible renovation form for projects under $2 million), wrap-up liability, contractors pollution liability and design-build.

Retail, offices, apartment owners, churches and contractors. Buildings, contents, tools and equipment, stock or cash, crime, income replacement and premises, products and operations liability.

Retail stores, offices, apartment owners and contractors. Building, contents, tools and equipment, stock or cash, crime, income replacement and liability.