Liability limit checker
Compare your general liability limit with what your contract asks for, or see what clients like yours commonly require.
Commonly asked for: $1–2 million
You'll need a policy before this job
Clients in this situation commonly ask for $1–2 million. You'd need commercial general liability in place and a certificate to show them.
Need a higher limit or a certificate for this job? Compare licensed brokers.
Compare quotes in 3 minutesGeneral information about what clients commonly ask for, not insurance advice. Your contract's exact wording decides what you need, and a licensed broker can confirm the right coverage.
Common questions
- What liability limit do most contractors carry?
- $2 million in commercial general liability is the most common limit for small contractors in Canada. Strata corporations, property managers, large commercial projects and some public contracts often ask for $5 million or more.
- What does 'additional insured' mean on a certificate?
- It adds the client, such as a general contractor or strata, to your liability policy for claims arising from your work for them. Many contracts require it, and your broker issues the certificate.
- What is an umbrella policy?
- An umbrella or excess liability policy sits on top of your general liability and raises your total limit, for example from $2 million to $5 million, without changing your main policy.