Does my liability policy cover asbestos?

Usually not. Most general liability policies exclude asbestos. Test older homes before demolition and use qualified abatement contractors.

Am I covered if work I did causes a basement flood later?

Damage from your completed work is usually claimed under completed-operations coverage. Confirm your policy includes it, especially if you do waterproofing or backwater valves.

How do I cover materials before they're installed?

An installation floater covers materials in transit and stored on site before installation, such as cabinets, fixtures, and windows.

Manitoba trade insurance

Insurance for Home Renovation Contractors in Manitoba

Liability, tools, and installation coverage for Manitoba renovation contractors. Licensed Manitoba brokers compete for your account.

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Home Renovation Contractors in Manitoba illustration

Commercial Liability & Risk Guide for Home Renovation Contractors in Manitoba

Renovators in Manitoba spend a lot of time in basements and older homes. Winnipeg has large neighbourhoods of homes built before 1950, where asbestos, vermiculite insulation, and outdated wiring are common. Basement flooding and sewer backup are recurring problems in older areas, so backwater valves and waterproofing are a large share of renovation work. QuoteMatch sends your application to licensed Manitoba brokers who write renovation contractors.

Risks specific to Manitoba

Working in Manitoba brings its own climate, market, and regulatory risks:

Asbestos and vermiculite insulation in older homes, which most policies exclude.
Basement water and sewer backup claims tied to waterproofing work.
Frozen pipes in homes left partly open during winter renovations.
Theft of tools and materials from job sites.

Rules and requirements to know

Insurers and clients in Manitoba will expect you to meet these:

Manitoba workplace safety and health rules for asbestos and hazardous materials.
City of Winnipeg and municipal building permits.
Workers Compensation Board of Manitoba coverage for your crew.

Example claim

How a claim could happen

“A renovator installs a backwater valve in a Winnipeg basement. It's installed incorrectly, and the next heavy rain backs sewage into the newly finished rec room.”

How coverage respondsThe renovator's completed-operations coverage handles the cleanup and rebuild claimed by the homeowner.

Official resources

Home Renovation Contractors in other provinces

Common questions: Home Renovation Contractors in Manitoba

Does my liability policy cover asbestos?: Usually not. Most general liability policies exclude asbestos. Test older homes before demolition and use qualified abatement contractors.
Am I covered if work I did causes a basement flood later?: Damage from your completed work is usually claimed under completed-operations coverage. Confirm your policy includes it, especially if you do waterproofing or backwater valves.
How do I cover materials before they're installed?: An installation floater covers materials in transit and stored on site before installation, such as cabinets, fixtures, and windows.