Business insurance,
explained plainly.

Worksured is a Canadian commercial insurance brokerage. We connect tradespeople and contractors with the coverage their business needs — General Liability, Commercial Auto, Tools & Equipment, and Errors & Omissions — through a straightforward online quote process backed by licensed brokers.

We're a broker. That means we don't underwrite policies ourselves — we work with insurance carriers to place your coverage and act on your behalf if something comes up, like a claim or a renewal. Think of us as the people making sure you're matched with the right policy, not another middleman slowing things down.

Because the way tradespeople usually buy commercial insurance — phone tag, paperwork, waiting on a callback — doesn't match how the trades actually run their businesses. Worksured was built so you can compare coverage, get a real quote, and buy your policy online, on your schedule, without missing a day of work.

Worksured Inc. is a federally incorporated Canadian brokerage. Licensing requirements vary by province — if you're ever unsure whether we can place coverage where you operate, ask us directly when you request a quote and we'll confirm before moving forward.

Yes. Your information is submitted securely and only used to prepare your quote and policy. We don't sell your data, and a licensed broker reviews every application before coverage is bound.

If you're doing paid work — even solo, even part-time — you're exposed to the same risks as a bigger crew: a client's property gets damaged, a tool gets stolen off a job site, someone gets hurt because of your work. Personal insurance and homeowner's policies generally don't cover business activity. Commercial insurance is what actually protects you and the business you've built.

You're on the hook personally. Without coverage, a lawsuit, an injury claim, or a piece of damaged property comes out of your own pocket — and depending on the size of the claim, that can mean losing the business, your tools, even personal assets. Insurance exists so one bad day on a job site doesn't end the business you've spent years building.

Almost always, yes. Most GCs, property managers, and commercial clients won't let you on site — or won't sign a contract with you — without proof of insurance. It's usually one of the first questions you'll get asked before you're allowed to start work.

A COI is a simple document that proves you're insured — what coverage you carry, your limits, and when the policy expires. General contractors, property managers, and clients ask for one to confirm you're covered before you set foot on their job site. Once you're insured through Worksured, getting a COI when you need one is part of managing your policy.

General Liability covers third-party bodily injury and property damage that happens because of your work — for example, if a client trips over your equipment, or your crew accidentally damages something on site. It's the coverage almost every job site and contract requires, and it's usually the foundation of a trade's insurance program.

This covers the tools and equipment you rely on to do your job — whether they're on the job site, in transit, or in storage. If your gear is stolen, damaged, or destroyed, this is what gets you back to work instead of eating the replacement cost yourself.

E&O — sometimes called professional liability — covers claims that your advice or workmanship caused a financial loss, even without physical damage. It matters most for trades that give estimates, specs, or professional recommendations as part of the job, where a mistake could cost a client money rather than cause an injury.

If a vehicle is used for business — hauling tools, driving to job sites, towing a trailer — it generally needs commercial auto coverage, not a personal policy. Personal auto insurance can deny a claim entirely if it turns out the vehicle was being used for work at the time of an accident.

Yes — most tradespeople bundle General Liability with Tools & Equipment, Commercial Auto, and/or E&O based on what their work actually requires. When you get a quote, we'll help you figure out which combination fits your trade.

Not directly — workers' compensation coverage is administered provincially (WSIB in Ontario, WCB in other provinces) rather than sold through a broker. If you have employees, check your provincial requirements separately; we're happy to point you in the right direction when you get a quote.

Five simple steps: tell us about your trade, your operations, where you work, your business history, and your contact details. A Worksured broker follows up with your quote — no waiting rooms, no cold calls.

You can complete the whole process online without a phone call. If you want to talk it through, our AI guide Winston can walk you through any step, and can connect you with a licensed broker any time you'd like a human in the loop.

Most applications hear back from a broker within one business day of submitting a quote request. Exact timing depends on your trade and the coverage you're after.

Basics about your business — your trade, expected annual revenue, number of employees, years in business, the types of job sites you work on, and your current insurance (if any). Having this on hand makes the five-minute form faster.

It can. We ask whether you use subcontractors, what share of your revenue goes to them, and whether they carry their own General Liability coverage, since that affects your risk profile and your quote.

Through the Claims section of our site — fill in your policy number, a description of what happened, and your contact details, and a Worksured broker takes it from there.

Typically within one business day of submitting a claim.

Chat with Winston, our AI guide, any time — he can walk you through next steps and loop in a licensed broker quickly if you need one.

Likely, yes. The list above covers the most common trades we insure, but it isn't exhaustive. Start a quote and tell us what you do — if we can place your coverage, we will; if it's outside what we currently offer, we'll tell you plainly instead of wasting your time.

No — you can request a quote without creating an account. An account just makes it easier to come back and manage your policy afterward.

Log in from any page using the "Log In" button in the top navigation. Your account gives you a home for your policy details, claims, documents, and billing in one place.

Once you're logged in, billing and documents are both available from your account. If you need something sooner, a Worksured broker can help directly.