Individual contractors, construction companies and sub-contractors should consider Contractor Insurance.
Protect your business, employees, equipment, tools and building materials.
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What is Contractor Insurance?
Contractors Insurance (also known as Contractors Liability Insurance or General Contractors Insurance) is an insurance package specially designed for the specific risks associated with construction trades. These risks include working with hazardous materials and tools, travelling to different locations, accessing private property and potentially causing injuries to 3rd parties.
Who needs Contractor Insurance?
Any of the construction trades are specially subject to risk.
In general terms, these are most common trades that require insurance:
- Commercial Construction and Renovation
- Residential Construction and Renovation
- Door and Window Installation
- Fence Construction
- Heating and Air Conditioning
What is the cost of Contractor Insurance?
One of the main concerns for contractors, when it comes to obtaining general liability insurance is the cost. The cost of a contractor’s insurance policy varies according to factors such as:
- Level of experience in the trade
- Number of employees if any
Generally speaking, a contractors insurance starts at around $400 per year and can cover up to $1,000,000 in liability.
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Which construction trades require Contractor Insurance?
Regardless of the type of trade you practice, contractor insurance is essential:
Alterations, renovations or repairs
Antenna and satellite installation
Decks and fencing
Doors, windows, siding, awnings
Drywalling, plastering and lathing
Eavetroughs and downspouts
Floor covering installations/renovations
Glass (Glazier) Installation
Heating equipments and combined air conditioning (HVAC)
Masonry (e.g. bricks, stone, marble)
Solar energy contractors
Tree removal, trimming and pruning
Common scenarios where Contractor Insurance is useful:
A client visits your site to inspect the work and injures themselves badly — they want to sue.
While excavating on the clients property, you accidentally burst a pipe causing flooding in the basement.
You leave your tools and equipment at the client’s premise overnight and the next day you discover the tools are gone.
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