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Protect your livelihood today with Contractor Insurance!

Contractor Insurance: The Coverage You Need To Protect Your Business

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As an independent contractor, having the right insurance coverage is crucial. Especially given the dynamic nature of the job.

Contractors work in many different locations on a daily basis. They come into contact with many different people and work on a variety of 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.

And while many tradespeople find this unpredictable work environment exciting, it does carry some hefty risks as well. Risks that could damage your business reputation and overall profit.


Common On-Site Risks Every Contractor Faces:

  • General Liability
  • Property Damage
  • Theft

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


What Is Contractor Insurance? Why Do You Need It?

Contractor insurance is a broad term referring to a variety of insurance coverages - both those that are mandatory and those that are optional.


Mandatory Contractor Insurance Coverages:

In Ontario, all contractors must,
a) Carry commercial general liability insurance, and
b) Hold a valid contractors insurance policy.

This coverage protects you and your business against third party bodily 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 the province of Ontario.


Optional Contractor Insurance Coverages:

Other contractor insurance coverages are optional additions you can make to your general liability insurance policy. They depend on your unique business and may or may not apply to your specific industry.

Some of these add-on coverages include:

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

When selecting the right contractor insurance coverage for your trade, speak with one of our Mackay Insurance brokers! We walk you through these extra coverages and ensure you have the best insurance 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 insurance safeguards their tools, equipment, staff, clients, property and reputation.

Having this policy on hand is also a great way to build trust between themselves and their client!

Not sure whether your business needs contractor insurance? We’ve put together 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 And Your Reputation With Local Contractor Insurance Coverage!

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

In fact, a typical worksite can be quite chaotic on even the best of days! And accidents are bound to happen.

Having the right insurance in place protects the integrity of your business, the business itself and the tools you need to get the job done.

Start protecting your livelihood today with your local Mackay Insurance brokers in Belleville and Napanee! You can reach our Belleville office at 613-966-5740 and our Napanee office at 613-354-2555.

You can also get a FREE Contractor Insurance Quote in minutes by filling out the form below!