Restoration and Remediation Company Insurance in Ontario

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Written by Nolan Wilson Updated on October 17, 2025 min read

Find the best rates on restoration and remediation insurance policies

Working in restoration and remediation poses potential risks that insurance can help protect against. A business insurance policy designed for restoration professionals safeguards you against liabilities and threats. ThinkInsure can assist you in comparing insurance quotes, ensuring you find the best coverage at the lowest premiums. Begin your quote online or call us to explore your options.

Top things to know about restoration insurance

Restoration and remediation insurance is a specialized policy that combines various business insurance coverages to protect against loss.
Insurance is crucial for professionals in the restoration industry due to potential risks like worker injuries, slip and fall accidents, exposure to hazardous materials, mistakes on the job, damage to property, and loss of tools/equipment.
In Ontario, restoration companies are legally required to have commercial general liability insurance and workers' compensation insurance through WSIB.

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What is restoration and remediation insurance?

Insurance for restoration and remediation contractors is a specialized policy designed to meet the specific needs of your business. It’s a combination of business insurance coverage that provides protection against third-party lawsuits stemming from bodily injury, property damage, environmental or professional liability, and losses caused by theft or vandalism. Plans are customizable and available through most insurers.

Why do restoration and remediation professionals need insurance?

Restoration and remediation professionals help home and business owners get things back to normal. However, working with damaged properties from water, fire, and mold can be potentially dangerous. Insurance can protect you and your employees while on the job. It also provides protection if you make a mistake, accidentally cause damage, or are sued. Restoration insurance packages ensure you have protection from various threats when on the job.

What are the most common types of risks/threats for restoration and remediation contractors?

Working in the restoration industry can be dangerous work. You have exposure to physical and legal threats, such as:

Workers getting hurt or injured on the job
Slip and fall accidents
Exposure to hazardous materials and substances
Being sued if you make a mistake on a job
Causing damage to other people's property
Lost, stolen or damaged tools and equipment
Failure to comply with local regulations or bylaws

What types of restoration and remediation companies need insurance?

We help all types of commercial and residential companies in the restoration industry get the personalized insurance they need to operate worry-free:

Restoration contractors
Remediation contractors
Abatement contractors
Asbestos removal professionals
Demolition companies
Emergency cleanup professionals
Excavators
Fire and water damage restoration professionals
Waterproofing professionals

Remediation and restoration insurance claims examples

workers and construction engineer wear safety uniform excavation water drainage at construction site

Example #1

Your company is working on a mold remediation project for a local resident and cleaning up the basement from water damage. During the clean-up process, one of your employees accidentally damages a large section of drywall on the main level. Your liability coverage will help pay for the cost of repairing the damage.

Example #2

You come to work one morning and notice damage to the door lock. You go inside and see that all of your restoration equipment is gone. There was a break-in at your shop, and all your security cameras and equipment were damaged. The commercial property portion of your policy will help pay to repair the damage to your shop and replace the stolen equipment.

What type of coverage do restoration contractors need?

Insurance needs can vary based on your company type, size, and offerings. Your insurance policy should align with your business's specific requirements. A customized restoration and remediation insurance policy generally incorporates liability, property, auto, and other coverage to protect your tools and equipment.

Commercial general liability insurance: This is one of the most important forms of coverage contractors can get. It's the basis of your policy.
Environmental pollution liability: Coverage for potential pollution or environmental damage.
Tools and equipment protection: Get protection for loss, damage, or theft of your specialized tools.
Errors and omissions insurance: Mistakes happen on the job. Be protected if you or an employee makes an error.
Installation floater insurance: Protect materials and supplies you need to do your job.
Surety bonds: Ensure you meet requirements to secure new projects.
Commercial property insurance: Protect your shop and storage locations.
Commercial auto insurance: Coverage for your work trucks. Get fleet insurance if you have multiple vehicles.
Equipment breakdown insurance: Have coverage if your equipment unexpectedly requires repairs.

How much does restoration and remediation contractors insurance cost?

Insurance for restoration and remediation professionals in Canada can start as low as $500 per year for a basic $1 million liability policy. Premiums can depend on many factors such as the type of services you offer, company size and scope, coverage selection, and insurance history.

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Restoration and remediation contractor insurance FAQs

Is insurance for restoration companies legally required in Ontario?

In Ontario, restoration companies are legally required to have commercial general liability insurance. This covers claims related to third-party property damage and bodily injury. You must register with the Workplace Safety and Insurance Board (WSIB) and maintain workers' compensation insurance to cover employee injuries.

Are there insurers who specialize in coverage for restoration contractors?

You can find all the coverage you need by getting a quote with a commercial insurance provider. Our brokers can help you assess your coverage needs and ensure you get a policy that protects your remediation business.

Get a quote and save on insurance for restoration and remediation professionals

You work diligently to run a successful restoration business. Protect it with a customized policy. Contact us today to get an insurance assessment and a free quote. We will compare rates from the top insurers in Canada to find the best remediation and restoration insurance policy and help you save more.

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Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

Restoration and Remediation Insurance

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