Stop guessing what underwriters exclude.
Audit your trade risk.

Independent liability guides, 411+ Canadian carrier appetite rules, and instant broker submission packages for Ontario civil, mechanical, and specialized trade contractors.

Explore 10 Ontario Trades Launch Submission Finder

Independent publisher, not a brokerage. No quotes, coverage decisions, or automatic broker referrals. Pure research & underwriting transparency.

10-Second Risk Explorer

16 Ontario Markets

Audit Your Ontario Trade Appetite

Select Your Contracting Trade:

Target Limits:$5M CGL + XCU Endorsement

Ontario Rate Benchmark:$3,500 – $7,200/yr

Mandatory Underwriting Endorsements:

✓Bill 8 Locate Verification✓XCU Underground & Collapse✓Underpinning Waiver

Underwriting Watchout: Underwriters strictly audit 1m mechanical tolerance zones and unmapped utility records.

Generate Broker Submission Package

Read Full Earthmoving Guide →Deterministic Rules • No Hallucinations

411+ Markets

Carrier Appetite Profiles (Wawanesa, Intact, Aviva, Gore, Definity)

10 Trades

Programmatic Ontario Trade Protocols & Underwriting Checklists

100% Independent

RIBO Statutory Disclaimers • Zero Broker Referral Kickbacks

CASL Verified

Express Consent Architecture • Zero Spam • 1-Click Opt-Out

Built around your work

Different trades. Different questions.

All 10 industry guides →

Civil & Earthwork

Earthmoving & Excavation

Read the guide

Exterior & Specialized Services

Snow & Ice Management (Commercial Properties)

Read the guide

Exterior & Specialized Services

Roofing — Commercial Torch-On & Hot Applied

Read the guide

Civil & Earthwork

Hydrovac Daylighting & Non-Destructive Excavation

Read the guide

Featured practice guide

Occupiers’ Liability Act (s. 6.1): Snow and Ice Incident Records

Occupiers and independent contractors responsible for snow or ice removal from premises in Ontario.

Read the snow and ice guide →

Before your next renewal

Describe the work you actually do, including subcontracted activities.
Gather your current policy, contracts, and available claims information.
Separate confirmed facts from questions you still need to resolve.

Educational guidance. Your policy wording, circumstances, and applicable law determine the questions to discuss with a qualified professional.

Premier Markets

Find a starting point.
Not a coverage guarantee.

Research 411+ Canadian insurance carrier appetites and catalogued trade offerings. Unconfirmed terms stay unconfirmed; a listing is not an indication that a firm will accept your risk.

The Independent Placement Guarantee

Traditional brokers represent insurers.
Premier Risk Intel represents YOU.

When contractors fill out generic quote forms, their details are frequently sold as leads to multiple brokers—triggering dozens of unsolicited calls.

Premier operates as an independent research publisher with a dedicated placement desk: Zero commission kickbacks. Zero data selling. Zero cold-call spam. You receive pure, unfiltered underwriting criteria and structured submission packages so you control the market conversation.

✓ Zero Lead Data Reselling

Your operational answers stay in your browser. We never sell your contact info.

✓ 100% RIBO Statutory Adherence

Strict publisher disclaimers guarantee objective, uncompromised underwriting transparency.

✓ Standardized Submission Packets

Hand your licensed broker a pre-packaged file underwriters can bind without delays.