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Get reliable mining insurance coverage tailored for you by BrokerLink.
Mining is one of Canada’s most vital industries, powering everything from local economies to global supply chains. But it’s also a high-stakes business. That’s why having the right insurance coverage is essential.
Whether you’re running an open-pit gold mine in Ontario, managing a potash operation in Saskatchewan, or exploring for rare earth minerals in the Yukon, the right coverage will help protect your crew, your equipment, and your bottom line.
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Mining insurance is business protection that’s built for the realities of life in the pits, quarries, and processing plants. It's a form of risk management that can help cover the unique risks that come with exploring, extracting, hauling, and processing, all things that a standard business insurance policy isn't always designed to handle.
The right policy can provide comprehensive coverage for your sites, your crew, your equipment, and even the environment in which you work. It can help if a rockfall damages your machinery, if a spill triggers an urgent cleanup order, or if a breakdown grinds production to a halt, so you're not left covering these expenses out of pocket.
From exploration to production, BrokerLink works with mining companies of all sizes across Canada to help protect their mining operations.
Oil sands operations
Junior mining firms
Mineral exploration companies
Quarry and aggregate producers
Blasting and drilling contractors
Hauling and transport contractors
Indigenous-owned mining ventures
Geotechnical and surveying specialists
Open-pit and underground mining operators
Mine reclamation and remediation firms
Mineral processing and refining facilities
Environmental remediation contractors in mining
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Mining takes big investments and comes with equally big risks. Along with the obvious dangers of blasting, hauling, and processing, there are serious financial and legal challenges, such as strict environmental rules, worker safety requirements, and accidental property damage. Without the right insurance coverage, one bad day could bring your entire operation to a standstill.
In many parts of Canada, certain mining jobs and activities also require specific coverage to move forward. For example, while pollution liability used to be an optional policy add-on, Business Insurance Magazine reports that many provincial regulators and contracts are now requiring miners to carry a standalone pollution liability insurance policy, like environmental impairment liability, as well as some form of proof offinancial assurance.
According to a 2023 ABB survey, unplanned downtime costs Canadian industrial businesses an average of $242,000 per hour. But with the right mining insurance, it can help you recover faster, protect what you’ve built, and keep your operation on track, no matter what challenges come your way.
Mining operations come with high-value assets, complex work sites, and strict compliance requirements. That means that the right insurance package should blend coverages that can help protect against accidents, equipment failures, environmental incidents, and even contractual disputes. Some coverages are often mandatory to meet provincial or worksite requirements, while others are strongly recommended to give your operation more comprehensive coverage.
Commercial general liability insurance
Environmental impairment liability insurance
Contractual liability insurance
Assured bond insurance
Commercial auto insurance
Tools and equipment insurance
Equipment breakdown insurance
Business interruption insurance
Directors and officers liability insurance
Professional liability insurance
Commercial property insurance
Cyber insurance
Umbrella insurance
Commercial general liability helps protect you if your mining activities accidentally lead to third-party bodily injury or property damage. It can help cover the other party's medical or repair expenses, as well as your legal defence costs and settlements.
Also known as environmental liability, this coverage protects you if your operations cause pollution or environmental damage. It can help cover cleanup costs, legal fees, and regulatory fines.
Many mining contracts require you to assume certain liabilities when entering into agreements with clients, contractors, or landowners. Contractual liability insurance helps cover the costs of claims you’ve agreed to take on under those contracts.
Many provinces require mining companies to post reclamation or performance bonds as a form of financial assurance to guarantee environmental restoration or project completion. Assured bond insurance helps meet these obligations if you cannot fulfil them.
If you use trucks, utility vehicles, or transport vans for your mining operations, commercial auto insurance is mandatory. It helps cover your vehicle(s) in the event of an accident, theft, or liability claim.
From drills and survey gear to loaders and crushers, mining tools and equipment can be costly to replace. This coverage protects them against insured risks, such as theft, damage, or loss.
When critical mining equipment fails unexpectedly due to a mechanical or electrical breakdown, it can bring production to a halt. Equipment breakdown insurance can help cover the cost to repair or replace it quickly.
If a covered event forces you to suspend operations, business interruption can help replace your lost income and cover ongoing expenses such as wages, utilities, and even debt payments.
For incorporated mining companies, directors and officers' liability helps protect company leaders from personal liability if they’re sued over decisions they've made for the business.
Also called errors and omissions insurance, this coverage can help protect technical professionals if clients claim their work causes financial harm.
Commercial property insurance can help protect your mining-related buildings, facilities, and their contents against insured risks like fire, theft, vandalism, and certain weather events.
Most modern mining companies use connected systems for production monitoring, payroll, and geological data storage. Cyber insurance can help you cover any losses that are caused by hacking, ransomware, or data breaches.
Umbrella insurance helps to provide an extra layer of liability protection above the limits of your existing policies, such as general liability or environmental liability. This coverage can be especially important in mining, where accidents can lead to very large claims that quickly exceed base coverage limits.
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When calculating your insurance premiums, insurance companies look at a range of factors, from the size of your crew to your environmental record, to figure out your risk profile and set your rates. Here are some of the main factors that can push your costs up or down:
Exploration crews drilling test holes in a single area typically face fewer risks (and lower premiums) than a full-scale production mine processing thousands of tonnes a day. More activity means more moving parts, which means more potential for insurance claims.
The type of mining operation you run will affect what type of coverage you'll need and how much it'll cost. For example, open-pit mines often have higher property and weather-related risks, while underground mines face ventilation, collapse, and specialized safety challenges.
Remote sites can mean higher insurance costs due to factors such as longer distances for transporting equipment, longer emergency response times, and longer wait times for repairs. Plus, weather and access issues can also add to your risk profile.
Modern, well-maintained equipment often carries less risk than outdated machinery. Also, more expensive equipment will cost more to insure, as your insurance provider will want to make sure you have enough coverage to repair or replace it.
Mines that have formal safety protocols and use digital monitoring systems often see lower premiums. But if accidents are common or training is lacking, it's probably a safe bet that your rates will be higher.
When your mine closes, you’re responsible for restoring the site to meet provincial or federal standards. If your operation spans a large footprint or involves complex environmental work, your coverage needs and costs will likely be higher.
Frequent or costly past claims can make you look like a riskier customer to insurance companies, while a clean claims record is more likely to be rewarded, helping you keep your rates down.
Everyone working in the mining sector needs the right protection. As insurance experts, we can help you find the right mining coverage that fits your specific risks and budget. We’ll gather and compare quotes from leading insurance companies across Canada to help you build a policy uniquely tailored to your operation.
So, if you're looking to purchase a mining insurance policy in Canada, contact BrokerLink today. You can reach us by phone, email, or visit us in person at any one of our locations throughout Canada. We also encourage you to take advantage of our free online quote tool, which can provide you with a free mining insurance quote in minutes.
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Most likely. Exploration usually has lower equipment values and risks than full-scale production, so your coverage needs will likely differ. That's why it's best to find a tailored policy that ensures you’re only paying for what your current stage requires.
Absolutely. Mining policies can be tailored to meet partnership agreements, local regulations, and shared risk management needs for Indigenous-led or joint mining ventures. Talk to your insurance broker to find out how.
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