Construction & Contractor Insurance for Ontario Trades.
From general contractors to specialty subcontractors, McCAM builds coverage structures that address the real risks of Ontario construction — contractual liability requirements, subcontractor exposure, and project-specific risks that standard GL policies routinely miss.
What We Cover
Commercial General Liability
Third-party bodily injury, property damage, and products/completed operations liability. Limits and endorsements structured to meet contract requirements.
Builder's Risk
Project-specific coverage for buildings under construction — protecting against fire, theft, vandalism, and accidental damage during the build phase.
Tools & Equipment
Portable tools, small equipment, and installation floaters. Coverage follows your tools — on-site, in transit, and off-site storage.
Contractor's Equipment
Heavy equipment, mobile cranes, excavators, and specialized machinery — scheduled or blanket coverage based on your fleet size.
Wrap-Up Liability (OCIP)
Owner-controlled and contractor-controlled wrap-up programs for major projects — covering GC, subcontractors, and owners under a single policy.
Contractor's Errors & Omissions
Coverage for claims arising from faulty workmanship, design errors, or specification failures — critical for design-build contractors.
Who We Serve
We work with contractors at every scale — from solo tradespeople to large general contractors managing multi-trade projects.
Plumbers
Electricians
Roofers
General Contractors
HVAC
Landscapers
Painters
Developers
Ready for a contractor quote?
Our commercial specialist will review your risk profile and structure coverage that actually protects your business.