From groundbreaking to grand opening.
General contractors, renovators, electricians, plumbers, concrete crews — you build Ontario, and every job site is a liability laboratory. I build contractor insurance programs that satisfy GCs, municipalities, and lenders without slowing you down.
Job sites don't pause for paperwork.
Every contractor knows the drill: the GC needs your certificate before you mobilize, the city needs proof before the permit moves, and the bid deadline was yesterday. Insurance that can't keep up with your schedule costs you work.
I run contractor programs built for speed — certificates same-day, blanket additional insureds where they make sense, and builder's risk / course-of-construction coverage for the projects themselves. Your insurance should never be the reason a job starts late.
What's covered
Every risk is different, so every policy is built — not pulled off a shelf. Here's what a contractors program typically includes:
Commercial general liability
$2M–$5M limits with the endorsements GCs and municipalities actually ask for.
Builder's risk / course of construction
The project itself — materials, structure, and soft costs — covered from groundbreaking to handover.
Tools & equipment (floaters)
Your tools, wherever they are: the truck, the site, the shop. Scheduled or blanket.
Commercial auto
Work trucks and vans rated properly for business use.
Umbrella / excess liability
Extra layers when big contracts demand limits your primary can't reach alone.
Certificates & additional insureds
Blanket setups and same-day issuance, because job sites run on paper.
How it works
Ten minutes on the phone. What you run, what you own, what keeps you up at night. No forms, no phone trees.
I take your file to 60+ insurers and specialty markets through Aaxel and make them compete for your business.
Clear options, straight numbers, coverage that actually fits. You decide — I handle the paperwork.
Contractor insurance across the GTA building boom
From custom home builders in Mississauga to high-rise trades working Toronto sites to renovators across Brampton and the GTA — I insure the crews building Ontario. Tell me your trade and your typical contract size, and I'll build the program around how you actually work.
Questions, answered
What is builder's risk insurance?
It covers the building under construction — materials, labour value, and soft costs — against fire, theft, vandalism, and weather during the build. Lenders usually require it before they advance funds.
Can I get a certificate today for a job starting tomorrow?
Almost always, yes. Contractor certificates are the most time-sensitive paperwork in insurance — I treat them that way.
Do my subcontractors need their own insurance?
Yes — and your contracts should require it. I can review your sub agreements and make sure your program responds correctly when a sub's work causes the claim.
How do I get a quote?
Call or text me at 226-543-1313, or email sukhman.buttar@aaxelinsurance.com. Tell me what you need covered and I'll shop it across 60+ insurers and specialty markets — most quotes come back within one business day.
What areas do you serve?
I'm based in Mississauga and work with clients across the GTA and all of Ontario. Through Aaxel Insurance Brokers Ltd., coverage can also be placed in Alberta, British Columbia, and Nova Scotia.