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Contractor Insurance Quotes

Contractor Insurance Quotes: The Coverage You Need To Protect Your Business

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As an independent contractor, having the right insurance coverage is crucial.

Contractors work in varying locations every day. They also work with many different people and on a variety of tasks.

In fact, if you asked a contractor what a typical day looked like, they’d probably laugh! After all, in the life of a contractor, no day is ever the same.

Many tradespeople find this unpredictable environment exciting. But it also carries some hefty risks.

In just seconds, you can damage your business reputation, lose money or face a liability claim.

Common On-Site Risks Every Contractor Faces:

  • General Liability
  • Property Damage
  • Safety Hazards 
  • Environmental Risks
  • Theft

To reduce these risks, our Mackay brokers recommend investing in Contractor Insurance.


What Is Contractor Insurance? Why Do You Need It?

Contractor insurance is a broad term. It refers to a variety of coverages - some mandatory and others optional.

Mandatory Coverages:

In Ontario, all contractors must have commercial general liability (CGL) insurance. Without it, you are not permitted to run a business.

This general coverage legally and financially protects you in the case of,

a) personal injury and/or

b) property damage claims.

Optional Coverages:

Other contractor insurance coverages are optional. This means you can add them to your general liability policy.

Add-On Coverages:

  • Installation Floaters
  • Builders Risk
  • Tool Floaters
  • Pollution
  • Performance Bonds
  • Contractors Surety Bonds

These coverages vary according to your unique business.

Not sure what coverage you need? Call your Mackay broker! We ensure you have the right coverage for your specific business needs. 


Who Should Invest in Contractor Insurance?

Both small and large companies rely on contractor insurance to protect their livelihood. This coverage safeguards their tools, equipment, staff, clients, property and reputation.

Thorough coverage is also a great way to establish trust between yourself and your clients!

Examples of companies that require Contractor’s Insurance:

  • Plumbers
  • Handymen
  • Roofing Contractors
  • HVAC Companies
  • Drywall and Siding Contractors
  • Painters
  • Electricians
  • Excavating Companies
  • Landscapers
  • Housecleaners

Don’t see your business on this list? Contact your Mackay broker!


Protect Your Livelihood With Mackay Insurance

As a contractor, your job involves many moving parts - people, equipment, vehicles, tools, etc.

A typical worksite is chaotic on even the best of days. Accidents are bound to happen! It’s just a matter of time. 

Thankfully, contractor insurance offers affordable peace of mind. 

Start protecting your livelihood today! 

Call our Belleville office at 613-966-5740 or our Napanee office at 613-354-2555

We also offer FREE contractor insurance quotes! Fill in the form below to get started.