Describe the business, confirm its class, and see which Canadian insurers and MGAs write it, with their contacts and applications.
This Canadian industry comprises establishments primarily engaged in providing landscape care and maintenance services and/or installing trees, shrubs, plants, lawns or gardens, and establishments engaged in these activities along with the construction (installation) of walkways, retaining walls, decks, fences, ponds and similar structures.
Specialist programs come first. Taken from each market's own website; confirm appetite before you submit.
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.
Manufacturing (metalworking, machinery, electrical, low to mid hazard chemicals, brick and clay, auto parts), energy service and site preparation contractors, construction (electrical and telecom, bridge, paving, excavation, HVAC, masonry, landscaping and snow removal, sewer and watermain, demolition), commercial realty, wholesale, software and IT, telecom, financial institutions, property managers. Minimum premium $25,000, capacity up to $75M, CGL $10M, umbrella $25M. No monoline auto.
Carpentry, concrete and masonry, debris removal, electrical, HVAC and mechanical, excavation and grading, fencing, general contractors, insulation, landscapers, oilfield, painting, plumbing, utilities, property developers.
Licensed commercial applicators only: agricultural crop sprayers (not aerial), landscapers, right-of-way spraying. Liability up to $5,000,000 including misapplication and spray drift.
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.
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.
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.
National package for contractors with more than incidental snow removal: CGL, property, contractors pollution, legal expense, cyber, umbrella. $5M primary, $10K to $25K minimum snow removal deductible, no revenue threshold on snow receipts.
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.
Primary CGL for landscapers.
Targets high severity accounts, manufacturers, wholesalers and suppliers, snow removal and landscape contractors, start-ups, high US sales (up to 100%), goods made overseas, sports, leisure and recreation, entertainment and special events. Limits up to $10,000,000. Minimum premium $2,500. Declines long haul and US trucking, cannabis and pharmaceuticals.
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.
Commercial property, equipment breakdown, CGL and commercial vehicles for cleaning, janitorial, maintenance and landscaping businesses (including laundromats).
Property, business income, equipment breakdown, crime, GL, umbrella and auto for companies with $25M to $500M revenue in manufacturing, wholesale and distribution, realty, retail, hospitality, business and professional services, technology and financial institutions. Minimum account premium $25,000; property to $500M TIV; GL $5M; casualty $25M. Focus on BC, Alberta and Ontario.
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.
Other business types in this industry, each with its own market list.
Get listed free, confirm your listing to show it as verified, or ask about a sponsored placement on the classes you write. Sponsored placements are always labelled.
Listings show what each market publishes on its own website, checked on the date shown. Appetite and contacts change, so confirm with the market before you submit. Industry classes: Statistics Canada, NAICS Canada 2022 Version 1.0, under the Statistics Canada Open Licence. TrueNorthCE is not affiliated with the markets listed. Listings marked Sponsored are paid placements.