Contractor Insurance in Alberta.

No single law forces a trade to buy liability insurance. Two things make it unavoidable in practice anyway. General contractors and their contracts require general liability and proof of coverage before they let you on site. And if you work in a compulsory-certified trade, meaning electrician, plumber, gasfitter or refrigeration, you also need the trade certification to do the work at all.

A general liability policy is not a warranty on your workmanship, so it generally will not pay to redo your own defective work. What it can respond to is the resulting damage that faulty work causes to other property, and completed-operations coverage keeps that protection in place after you have left the site. Because the wording varies, this is worth reviewing for your specific trade.

This is the gap contractors equipment coverage was written to close. It follows your tools and portable equipment on the job site, in transit and in overnight storage, where a standard business property policy often stops at your shop door. Given how often trucks and open sites are targeted, it is one of the most-used coverages in a trades program.

A certificate of insurance is simply proof your coverage is active. Adding the general contractor as an “additional insured” extends your policy to protect them for claims arising from your work. These are routine requests on any job, and we issue the paperwork quickly so it never holds you up.

Yes, and the time to do it is before they start and before you pay them. An uninsured sub’s mistake can become your liability claim, so a few minutes of paperwork up front protects you from carrying a loss that was never really yours.

There is no flat rate. Your premium depends on the work you do, your revenue, your Alberta location, and your claims history, and higher-risk work costs more to insure. We price it around how you operate rather than a one-size quote, and most contractors go from first conversation to bound coverage within a few business days.

Yes. Velocity is an Alberta brokerage and we write commercial coverage anywhere in the province, including small towns, rural operations, and remote work sites. We work primarily by phone, email, and video, so where you are based does not change the service you get.

Most start with commercial property for the building, stock, and equipment, and commercial general liability for third-party injury and property damage. Vehicles add commercial auto, contractors add tools and equipment coverage, property owners add loss of rental income, and service and professional businesses add professional liability. We build the mix around your operation.

Hail is generally covered under a commercial property policy, and hail damage to vehicles falls under comprehensive auto coverage. What matters is whether your building is insured to replacement cost and what your deductible looks like, because in Alberta hail is a when, not an if. We confirm both before you need to claim.