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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 many different locations on a daily basis. They work with many people and on varying tasks throughout each workday.

If you asked a contractor what a typical day was like, they’d probably laugh! After all, in the life of a contractor, no day is ever the same as the last.

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

In just seconds, you could damage your business reputation and profit!

Common On-Site Risks Every Contractor Faces:

  • General Liability
  • Property Damage
  • 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 - both mandatory and optional.

Mandatory Coverages:

In Ontario, all contractors must,

a) Carry commercial general liability insurance, and

b) Hold a valid contractor insurance policy.

This protects you and your business against third-party injury and property damage claims.

What happens if you do not carry this general liability insurance?

Without it, you are not permitted to run a business in Ontario.

Optional Coverages:

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

These coverages vary according to your unique business. So they may or may not apply to your specific industry.

Some of these add-on coverages include:

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

Not sure what coverage you need? Call your Mackay broker!

We ensure you have the best protection at the most affordable price.


What Industries Should Have Contractor Insurance?

Small and large contracting companies rely on contractor insurance to protect their livelihood.

This coverage safeguards their tools, equipment, staff, clients, property and reputation.

This policy is also a great way to build trust with their clients!

Not sure whether your business needs contractor insurance?

Below is a list of contracting professionals that benefit most from these coverages.

  • Plumbers
  • Handyman Services
  • Roofing Contractors
  • HVAC Companies
  • Drywall and Siding Contractors
  • Painting Contractors
  • Electricians
  • Excavating Companies
  • Landscapers
  • Cleaning Services


Protect Your Livelihood With Mackay Insurance

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

No wonder accidents are bound to happen!

A typical worksite is chaotic on even the best of days.

That's why we recommend investing in contractor insurance!

Having the right coverage protects

a) The integrity of your business,

b) The business itself and

c) The tools you need to get the job done.

Start protecting your livelihood today!


Contact your Mackay brokers in Belleville and Napanee!

Reach our Belleville office at 613-966-5740 and our Napanee office at 613-354-2555.

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