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Commercial and Personal Insurance Solutions Since 1979
Contractors Insurance Package

ADDITIONAL 20% DISCOUNT for members of the TCA (Toronto Construction Association) or MCA (Mississauga Construction Association).

Our Program, has developed with our 2 Insurance Company Partners, a  RATE and PACKAGE with Excellent Personal Service designed especially for 16 Different Industries.

Toronto Construction Association
  • Additional 10% discount if we also insure your vehicles
  • Buy sell agreement coverage for partners
  • Bonding where you order online
  • All risk tool floaters
  • Builders Risk Competitive Rates
  • Transit Solutions USA included
Call our team today.
We consistently better our new clients coverage and we probably have a unique JDS package designed especially for your business.


Contracting Broker Team

Our Construction Package features Broad Form Wordings combined with an extensive list of special extensions brought together with your specific business operations in mind.
The following are a list of coverage's available.

Contractor's Property:
  • All Risk, Replacement Coverage on Building & Contents
  • Computer Hardware, Software, and Breakdown Coverage
  • Laptops
  • Office Contents Extensions
  • Commercial Condo Betterment’s & Improvements
  • Inflation Protection
  • Blanket By-Laws,
  • Professional Fees
  • Accounts Receivable
  • Newly Acquired Buildings and Contents
  • Sign and Glass Coverage
  • Goods in Transit Coverage & Cargo Insurance
  • Exhibit Booth Coverage
  • Tools
  • Master Key Coverage
  • Electrical & Machinery Coverage
Crime and Business Interruption

  • Employee Dishonesty
  • In and Out Robbery
  • Forgery, Counterfeit Money
  • Broad Form Money Coverage
Broad Form General Liability:

  • Up to $10 Million Coverage for bodily injury and property damage including operation on and off your premises, and sales to the USA.
  • USA coverage available
Car and Fleets - We Have The Lowest Rates in Ontario

  • Group Rates for 3 or more vehicles
  • Loss of use coverage
  • Fleet Discounts
  • Additional 10% - 15% discount for TCA or MCA members
  • Ask about our package for Electrical Contractors

Contact one of our Professional Brokers for a review of your coverage's today !!!

Boomerang - We insist on tracking devices on all loaders & earth movers

Get An Insurance Quotation

Call 905-764-7868
Fax 905-764-9618

Ext 215 for Rocco Scarano (video message)
Ext 228 for Mark Smith
Ext 245 for
Tom Larha

RIBO JD Smith & Associates Insurance Brokers Inc.
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
Tel: 905-764-7868
Fax: 905-764-9618
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