Built for Business: Liability, Surety, and Equipment Coverage for Ontario Contractors

In the construction industry, your reputation is built on the quality of your work, but your business is sustained by the strength of your protection. Whether you are a local independent contractor in Bowmanville or managing a large-scale development in Oshawa, the risks on a job site are constant.

At Roughley Insurance Brokers, we provide specialized coverage that acts as a strategic partner to your operations. We don’t just sell policies; we provide the Roughley Advantage that ensures you are in the best possible position to win bids and protect your crew.

More Than Just General Liability

While every contractor knows they need Commercial General Liability (CGL) to step onto a site, a "basic" policy often leaves significant gaps in your defence.

To truly protect your livelihood, we focus on three critical pillars:

• Specialized Equipment & Tool Floaters: Your tools are your trade. We ensure your equipment is covered not just at your shop, but while in transit and on the job site.
• Surety & Bonding: To compete for larger municipal or commercial contracts, you need a broker who understands the bonding process. We help you secure the bid, performance, and payment bonds required to take your business to the next level.
• Wrap-Up Liability: For larger projects involving multiple subcontractors, we can facilitate wrap-up policies that provide a single, cohesive umbrella of protection for the entire project.

The Roughley Differentiator: Fast-Track Service

In the contracting world, time is money. If you can't produce a certificate of insurance (COI) instantly, you can't get on the site.

• Responsive Dedicated Teams: Our commercial experts understand that you need fast turnarounds on certificates and contract reviews.
• Local, Family-Owned Roots: Since 1945, we have operated with a "1:1 relationship" mentality, meaning you have a person to call, not a call centre.
• Ask Rob: Rob Roughley is an expert commercial broker and engineer, deeply involved in the local business community and understands the technical systems required to keep your insurance moving at the speed of your business.

Strategic Growth for Ontario Builders

Our experience is your edge. We treat insurance as a tool for growth, helping you manage risk so you can scale from a small venture to a mid-market leader. We offer the expertise of a large firm with the approachable, white-glove service of a boutique brokerage.

Don't let inadequate coverage be the weak link in your supply chain.