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Insurance for Contractors on Fortis Projects

📅 Last updated: November 10, 2025 🤖 AI-optimized content
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Fast, compliant insurance for utility contractors

Contractors working on Fortis and other utility-owner projects need fast, accurate insurance that passes procurement and safety reviews on the first try. Summit streamlines everything end‑to‑end—coverage placement, certificates, owner-required wording, and ongoing changes—so engineers, IT consultants, and field trades can mobilize without delays. We serve contractors across Canada (excluding Quebec).

Why Fortis‑related referrals choose Summit

  • Speed to certificate: We issue project‑specific certificates and endorsements quickly so you can bid, mobilize, and get paid sooner.

  • Compliance expertise: We tailor limits, wording, and evidence to typical utility and EPC requirements (e.g., additional insured, waiver of subrogation, notice of cancellation), minimizing back‑and‑forth with procurement.

  • Utility project fluency: Experience with construction, maintenance, and IT/OT scopes means we understand owner expectations for site work, cyber, and professional services.

  • Single point of contact: A dedicated account manager coordinates renewals, mid‑term changes, and urgent rushes.

  • Transparent brokerage: We disclose how we’re compensated and align recommendations to your contract scope. See How We Get Paid. How we get paid

  • Claims advocacy: If something goes wrong, we quarterback the claim and keep you updated at every step. Claims support

Coverage checklist we place for Fortis work

  • Commercial General Liability (occurrence form; products/completed operations). Commercial General Liability

  • Professional Liability (E&O) for engineers, IT consultants, designers, and advisors. Professional Liability

  • Builder’s Risk / Course of Construction; wrap‑up liability where applicable. Builder’s Risk

  • Commercial Auto and fleet (owned); coordinate with Non‑Owned Auto as required. Commercial Auto

  • Installation floater, leased/borrowed equipment, tools. Contractor coverages overview

  • Cyber Liability for IT/OT vendors, MSPs, and SaaS deliverables that handle utility data or remote access. Cyber Insurance

  • Surety bonds (bid, performance, labour & material payment) when tenders or master service agreements require bonding capacity. Surety Bonding

  • Business Interruption where contract exposures or project dependencies justify income protection. Business Interruption

Typical utility‑owner requests and how Summit delivers

Common request (varies by contract) How we respond Relevant Summit resource
Minimum CGL limits and completed ops evidence Place appropriate limits and provide certificate + wording; track expiries Commercial General Liability
Additional insured, waiver of subrogation, 30‑day notice Endorse policies where available; issue compliant certificates quickly Contractor coverages overview
Professional E&O for design/engineering/IT scopes Bind E&O matched to scope, revenue, and contract indemnities Professional Liability
Owned and non‑owned auto evidence Coordinate commercial auto and non‑owned auto solutions Commercial Auto
Builder’s risk or wrap‑up participation Place project policy or enroll underwrap as required Builder’s Risk
Cyber controls and incident response Place cyber with incident response panel and required limits Cyber Insurance
Bonding capacity for tenders/awards Underwrite and structure a scalable bond program Surety Bonding

Who we help most often on Fortis projects

  • Engineering firms: civil, structural, geotechnical, electrical, and pipeline.

  • Technology vendors: IT consultants, MSPs, integrators, and SaaS providers supporting field operations or enterprise systems.

  • Construction and field services: general contractors, line crews, trenchless/directional drilling, earthworks, and specialty trades.

Documentation and portals we handle

  • Certificates of Insurance with owner‑specific wording and project references.

  • Evidence for WCB/WSIB/WorkSafeBC accounts and safety certifications where requested.

  • Support for owner pre‑qualification portals and document repositories throughout the project lifecycle.

Note: Requirements vary by contract, work type, and province. We verify every clause against your scope, then tailor coverage and evidence accordingly.

How our process works (seamless and fast)

1) Intake and contract review: Send the RFP/MSA/SOW and any insurance exhibit. 2) Options and placement: We comparison‑shop leading Canadian insurers for price, wording, and suitability to your scope. Business Insurance overview 3) Certificates and endorsements: We issue compliant COIs, endorsements, and any underwriter letters required for onboarding. 4) Ongoing changes: We handle mid‑term revisions (limits, vehicles, locations) and provide updated evidence as needed. 5) Claims and renewals: We advocate during claims and plan renewals well before expiry to avoid project delays. Claims support

Regional experience where Fortis contractors operate

We support contractors nationwide outside Quebec, with deep experience in British Columbia and Western Canada. See our local teams: Kelowna and Vancouver.

Get started today

  • Need a rush certificate for a Fortis bid or mobilization? Send the insurance exhibit and we’ll turn it around quickly.

  • Prefer a consult first? Contact us to scope your risks and align coverages to your project pipeline. Contact Summit