Contractor Insurance2019-09-11T10:16:20-04:00

Contractor Insurance

Individual contractors, construction companies and sub-contractors should consider Contractor Insurance.
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Consultant Insurance

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.

What does Consultant Insurance cover?

What does Contractor Insurance cover?

Normally a contractors insurance covers the following:

  • Tools, machinery and equipment (theft and damage)
  • Damage to 3rd party property
  • Injuries caused to 3rd parties
  • Employee injuries
What is the cost of Consultant Insurance?

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
  • Carpentry
  • Door and Window Installation
  • Drywall
  • Electrical
  • Excavation
  • Fence Construction
  • Heating and Air Conditioning
What is the cost of Consultant Insurance?

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
  • Revenue
  • 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 professions require Contractor Insurance?

Regardless of the type of contractor business you run, contractor insurance is critical:

  • Alterations, renovations or repairs

  • Appliance repair

  • Antenna and satellite installation

  • Appliance repair

  • Cable installers

  • Carpentry

  • Ceiling installations/renovations

  • Chimney cleaning

  • Cleaners

  • Doors, windows, siding, awnings

  • Drywalling, plastering and lathing

  • Decks and fencing

  • Eavetroughs and downspouts

  • Electricians

  • Excavation

  • Floor covering installations/renovations

  • Glass (Glazier) Installation

  • Heating equipments and combined air conditioning (HVAC)

  • Interior decorator

  • Landscaping

  • Lawn Sprinkler

  • Locksmiths

  • Masonry (e.g. bricks, stone, marble)

  • Painters

  • Plumbers

  • Road construction

  • Roofing

  • Sheet metal

  • Sign installation

  • Stucco

  • Swimming pool

  • Solar energy contractors

  • Tile work

  • Tree removal, trimming and pruning

  • Window cleaning

Common scenarios where Contractor Insurance is useful

Contractor Injury Insurance

A client visits your site to inspect the work and injures themselves badly — they want to sue.

Contractor Insurance Liability

While excavating on the clients property, you accidentally burst a pipe causing flooding in the basement.

Contractor Tools Insurance

You leave your tools and equipment at the client’s premise overnight and the next day you discover the tools are gone.

Frequently Asked Questions about Contractor Insurance

Is Contractor Insurance mandatory for contractors and subcontractors before signing project contracts?2019-06-10T10:35:34-04:00

It is not illegal to operate your business without insurance, but keep in mind that any sizeable project will require you to have insurance prior to signing a contract. There are many risks in a construction project. Planners and contractors want to make sure that any complications in their projects don’t lead to financial loss for them, so they don’t hire subcontractors without insurance. Most common risks include on-site injury, equipment damage and damage to the client’s property. Project managers and planners will often ask to see proof that a contractor or subcontractor is covered by Contractor Insurance before hiring them for a project, whether or not it is required by law.

Do contractors need Professional Liability coverage in their insurance policy?2019-06-10T15:16:50-04:00

Most contractors may never need Professional Liability Insurance, but depending on the exact nature of the services provided, some might. For example, property preservationists and home inspectors could need Professional Liability Insurance for their services. The most important coverages that usually apply to contractors are General Liability Insurance and Commercial Property Insurance.

Are subcontractors covered by the contractor’s Liability Insurance?2019-06-10T10:37:50-04:00

Subcontractors are not covered by their contractor’s Liability Insurance in all basic policies offered by insurance companies, however, it is possible to add subcontractors to the contractor’s policy when needed. If a contractor hires a subcontractor who causes damage to the client’s property, the contractor will be liable for damages if the subcontractor does not have insurance. To avoid unnecessary complications, contractors usually prefer to hire subcontractors that have already insured their business with Contractor Insurance.

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