Contractor Insurance2019-04-10T21:14:09-04:00

Contractor Insurance

Individual contractors, construction companies and sub-contractors should consider Contractor Insurance.
Protect your business, employees, equipment, tools and building materials.

Join thousands of Canadian businesses that are already protected!

Contractor 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 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

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 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.

Get a free contractor insurance quote right here.

Getting insured
is quick and easy!

If a contractor insurance is what you need,
request a free quote now >

Which construction trades require Contractor Insurance?

Regardless of the type of trade you practice, contractor insurance is essential:

  • Alterations, renovations or repairs

  • Appliance repair

  • Antenna and satellite installation

  • Appliance repair

  • Cable installers

  • Carpentry

  • Ceiling installations/renovations

  • Chimney cleaning

  • Cleaners

  • Decks and fencing

  • Doors, windows, siding, awnings

  • Drywalling, plastering and lathing

  • 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.

What our customers say about us

Our customers us, and so will you!
Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

Frequently Asked Questions

Can I Increase or Decrease the Limits of My Insurance?2019-04-10T20:32:47-04:00

Yes, we are able to customize our insurance packages so that you get only the coverage you need.

Can I pay monthly?2019-04-10T20:32:36-04:00

Yes. While most customers prefer to pay up front to avoid any additional financing charges, we do offer flexible payment options including monthly payment solutions for policies that cost more than $500.

How Much Insurance Do I Require?2019-04-10T20:32:20-04:00

Every business is unique. At Zensurance, we have curated several solutions that include comprehensive coverages and we are confident you will get the coverage you need through one of these packages.  If not, we’re happy to look at alternative options.

Leading Canadian business insurance carriers
have partnered with us to serve you

Intact Business Insurance Canada
Liberty Mutual Liability Insurance Canada
Aviva Commercial Insurance Canada
CHUBB Small Business Insurance Canada
Beazley Commercial Insurance Canada
Portage Mutual Insurance Canada
Trisura Small Dusiness Insurance
Trinity Underwriting Business Insurance Canada
Business Insurance Zen Man

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