Civil & Earthwork
Earthmoving & Excavation
Discuss actual depths, soil conditions and nearby structures. Your broker and qualified safety advisers should confirm the documents and requirements relevant to your operations.
Ontario contractor guides
Start with the work you do.
Understand the operational questions behind a broker review. These guides help you prepare facts and documents—not determine coverage, select a policy, or establish carrier eligibility.
Civil & Earthwork
Hydrovac Daylighting & Non-Destructive Excavation
Ask your broker to review the actual auto, liability and equipment policy wordings together. Endorsement names alone do not establish coverage.
Civil & Earthwork
Directional Drilling & Trenchless Boring
Describe each type of crossing and the contractual responsibilities involved. Carrier acceptance and any project-specific conditions require independent confirmation.
Mechanical & MEP
Electrical Contracting (Commercial & Industrial)
Describe alarm installation, monitoring and design separately. Ask your broker about the applicable liability wording rather than assuming all activities are covered.
Mechanical & MEP
Mechanical Contracting & Process Piping
Explain which work is performed directly and which is subcontracted. Supply actual contract and certificate terms for review.
Mechanical & MEP
HVAC & Refrigeration Contracting
Identify refrigerant types and who performs crane lifts. Any certificate, limit or endorsement requirements depend on the actual contract and policy.
Mechanical & MEP
Plumbing (Commercial & Residential)
Ask your broker to confirm water-damage conditions and deductibles in the proposed wording. This guide does not prescribe a deductible or coverage outcome.
Exterior & Specialized Services
Snow & Ice Management (Commercial Properties)
Have contract obligations and any incident notice deadlines reviewed by qualified advisers. This preparation tool does not give legal advice or determine liability.
Exterior & Specialized Services
Roofing — Cold Applied & Shingle Only (No Hot Work)
Disclose any hot work even if occasional. Your broker must check how the actual policy treats those operations; a trade label does not determine coverage.
Exterior & Specialized Services
Roofing — Commercial Torch-On & Hot Applied
Discuss the fire-watch arrangements actually used. Applicable durations, warranties, terms and acceptance must be checked against the proposed policy and relevant safety requirements.