Contractor Insurance Nova Scotia

Contractor Insurance Nova Scotia

Comprehensive protection for general contractors and construction industry small businesses in Nova Scotia.

Zensurance - Nova Scotia Contractor Insurance

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Insurance for Nova Scotia contractors

Contractor insurance for Nova Scotia-based skilled trade professionals, general contractors, and construction industry small business owners covers various liability risks.

A comprehensive contractor insurance policy in Nova Scotia is vital for getting a certificate of insurance, protecting your finances and reputation and ensuring you can successfully bid on building contracts.

From Halifax to Dartmouth, Antigonish to Sydney, or Truro to Glace Bay, different types of Nova Scotia contractors throughout the province face liability risks inherent to the industry. 

From third-party lawsuits, allegations of professional negligence, theft of or vandalism to tools, equipment, and materials or unexpected damages at a job site because of fire or severe weather, a customized contractor insurance policy is the foundation of your risk management plan to safeguard your livelihood.

A customized contractor insurance policy for Nova Scotia contractors may include the following types of coverages:

Additional coverages to strengthen your policy might include:

  • Leased, Rented, Borrowed Equipment Insurance

Many Nova Scotia contractors buy a policy with up to $2 million of general liability coverage at a starting annual premium of $450.

The actual cost of your insurance policy will be based on several factors, such as:

  • The industry you’re in and the services you provide
  • Your business’s size and location
  • How many employees you have
  • Years of experience
  • Your annual and projected revenues
  • Your history of insurance claims

Talk to one of our licensed insurance brokers to ensure you’re adequately protected, what options there are for coverage limits, and what risk mitigation actions you can take to prevent the likelihood of damage and loss.

Whether it’s a legal or regulatory requirement for your profession or not, a customized contractor insurance policy is highly recommended for a broad range of construction industry professionals, including:

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Common claims scenarios

concrete project worksite

Problem: A visitor or client at a construction site in Amherst trips, falls, and is injured. They require medical attention.

Outcome: Your commercial general liability insurance may cover the injured person’s medical expenses and lost wages because of the accident.

A home renovation contractor working at a job site.

Problem: A residential client in West Hants accuses a renovations expert of poor-quality work that does not meet industry standards or contractual agreements.

Outcome: Your professional liability insurance may cover expenses for repairing the property to meet your contractual obligation.

contractor tools coverage

Problem: Despite securing a job site in Sydney Mines after the working day, a general contractor’s tool shed is broken into overnight, and the tools are stolen.

Outcome: Your tools and equipment insurance may cover replacing the stolen tools.

Frequently asked questions

Does my contractor insurance cover the subcontractors I hire?

Your contractor insurance may cover subcontractors you hire if you include them as additional insureds in your policy. However, it’s highly recommended you only hire subcontractors that have their own insurance coverage.

Does contractor liability insurance cover mistakes made by a contractor?

Provided your contractor insurance policy includes professional liability insurance (also known as errors and omissions insurance), a claim against you for making mistakes on a project or building may be covered.

Does contractor liability insurance cover completed operations claims?

Yes. A contractor liability insurance policy can cover claims that arise after the completion of a project. For example, such claims might involve issues that become apparent after your work is done, such as a structural problem with a building.

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Get the customized protection you need to safeguard your finances and reputation.

Fill out our online application for a free quote and explore your coverage options. Our knowledgeable brokers are insurance experts who serve hundreds of thousands of contractors annually across Canada.

Through our partner network of more than 50 insurance providers, we can find the low-cost policy you need and tailor it to suit your budget and requirements.