Toolbox Pak

One- to two-person operations are covered for property and liability with ICPEI’s Toolbox Pak policy, designed to meet the basic insurance needs of specific contractors.

Policy Highlights

Comprehensive protection at a competitive price

Property: $5,000 coverage for miscellaneous property like hand tools and equipment, including electronic devices, trade stock and supplies.

  • Limit any 1 item – $2,500
  • Deductible – $500
  • No co-insurance on core coverage
  • Replacement cost (applicable to items 5 years or newer)

Additional items can be scheduled subject to 90% co-insurance.


Commercial general liability
Premises or business operations $1,000,000/$2,000,000*
Products – completed operations aggregate limit $1,000,000/$2,000,000*
Personal and advertising injury limit $1,000,000/$2,000,000*
Tenants’ legal liability – any 1 premises $1,000,000/$2,000,000*
Non-owned automobile liability $1,000,000/$2,000,000*
Medical expense limit – any 1 person $25,000
Property damage deductible $500
Broad form completed operations Included

*To have your limits increased, please see your insurance broker.


If your business-type is listed below, you may be eligible for ICPEI’s Toolbox Pak.

  • Aluminum, vinyl and similar siding contractors (including eavestroughing, soffit and fascia)
  • Carpentry contractors
  • Carpet, rug and upholstery cleaning contractors
  • Cement, concrete and asphalt finishing contractors for driveways, parking areas, patios and sidewalks
  • Door and window installation contractors
  • Drywall, lathing and plastering contractors
  • Duct cleaning contractors
  • Electrical contractors (excluding industrial, mining, manufacturing or airport work)
  • Floor installation contractors (including terrazzo, tile and floor sanding)
  • Insulation contractors (no spray type or asbestos operations)
  • Janitorial contractors (including window cleaning)
  • Masonry contractors (including brickwork, stonework and stucco)
  • Painters and interior decorators (excluding exterior spray painting)
  • Sign installation and repair contractors

This product is available in these regions:

  • New Brunswick
  • Nova Scotia
  • Prince Edward Island