Contractor Insurance2019-10-18T14:42:02-05:00

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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If Contractor Insurance is what you need, request a free quote now!

Which professions need Contractor Insurance?

Regardless of the contracting services you provide, Contractor Insurance is critical to protect you and your business. Some of our clients include:

  • 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?2019-10-18T11:45:54-05:00

No, having Contractors Insurance is not mandatory, but here are some reasons why you should:

  • There are many risks involved in a contracting project, e.g., on-site injury, equipment, and property damage, any of which could lead to financial loss if a client files a claim against you.
  • For risk-management purposes, project managers and planners will often ask for proof of insurance before making a hiring decision. Having Contractor Insurance can be the difference between whether or not you secure a contract.


Do contractors need Professional Liability coverage in their insurance policy?2019-10-23T11:54:07-05:00

Contractors do not require Professional Liability Insurance. However, if you offer advice as part of your service, consider adding it to your policy to protect against claims alleging you gave incorrect information or failed to deliver a service as promised.

If you’re still not sure if Professional Liability Insurance is something you need, ask your broker about what types of coverage make the most sense for your business.

Are subcontractors covered by the contractor’s Liability Insurance?2019-10-18T11:38:39-05:00

Contractor Insurance provides coverage for full-time employees of a business. This policy does not typically include subcontractors; however, if needed, they can be added. Regardless, it is important to ensure you are meeting all insurance requirements in a contract.

Important note for contractors, your policy coverage limit applies to all employees of your business, not each employee. One option to accommodate all of your employees is to increase your limit. However, hiring subcontractors that carry their own liability insurance ensures all parties have adequate coverage.

For subcontractors, consider purchasing liability insurance to ensure you always have coverage, even when an employer can’t cover you. Having liability insurance will also allow you to work on multiple sites.

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