Ontario Contractors Insurance

Ontario Contractors Insurance

Small business owners and independent contractors across Ontario need to safeguard their livelihoods from the risk of third-party liability lawsuits and other risks with a customized insurance policy.

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Insurance for Ontario contractors

From Toronto to Ottawa, Hamilton to North Bay, London to Windsor, independent contractors, tradespeople, and small contractor business owners face a wide range of risks. That calls for a comprehensive liability insurance package for protection from third-party bodily injury or property damage claims.

A comprehensive contractors insurance policy in Ontario is designed to cover the broad range of risks independent contractors and tradespeople face. Different types of contractors face different risks, from third-party liability lawsuits to unexpected damages occurring because of severe weather. A customized policy that covers all possible risks and scenarios that may arise without warning is a must-have to safeguard your business and livelihood.

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Why is contactors insurance important?

Life is unpredictable. The work all contractors do is vital to the creation, growth, and maintenance of residential, commercial, and government properties and infrastructure provincewide. But with that commitment and dedication to providing first-class services, contractors face a wide range of risks that could result in financial ruin if you’re not insured.

What does it cover?

How much does contractors’ insurance in Ontario cost?

Most Ontario contractors buy a policy with up to $2 million of general liability coverage at a starting annual premium of $550.

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

Speak to one of our licensed insurance brokers to better understand what those elements are, what options you have, and ensure all possible risks you face are accounted for in your policy.


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Do all independent contractors in Ontario need insurance?

Yes. A broad range of contracting industries require independent contractors to have an insurance policy. Whether it is an Ontario licensing requirement, a necessity to obtain a municipal permit for a worksite or to protect themselves from third-party lawsuits and damages resulting from unforeseen events, tradespeople and contractors need to be insured.

 Zensurance helps a wide range of independent contractors across various industries find the coverage they need, including:

Common claims scenarios

Frequently asked questions

How are claims made by independent contractors and tradespeople handled?

Whenever an insured (that’s you) submits a claim to Zensurance’s claims team, we move immediately to report the claim to your insurance company and represent you by ensuring you get a fast response. Although we do not decide what the payout will be or if your claim will be honoured (that’s up to the insurance company), we do go to bat for our customers by ensuring they are informed every step of the way.

One of the biggest problems with ensuring your claim is settled to your satisfaction is having the right amount of coverage. Talk to one of our licensed brokers when you’re setting up your policy or renewing it. They can guide you through the process, answer your questions, and ensure you have the adequate coverage you need, so you don’t have to worry if something goes wrong and you need to file a claim.

Do you offer insurance for seasonal work or per project?

No, but if your business offers different seasonal services, we can provide you with an annual policy. For example, a landscaping company that switches over to offering snow removal services in the wintertime.

Are contractors in Ontario required to have an insurance policy?

Yes. At a minimum, Ontario contractors are required to have general liability insurance, which provides protection in case of bodily injury or property damage to a third party at a worksite. Some projects may require you to provide a certificate of insurance. Ontario contractors who employ one or more employees are also required to have workers compensation insurance to protect their employees.

Resources for Ontario contractors

Getting insured is quick and easy!

Zensurance recognizes the professionalism and specialized high-quality services independent contractors and tradespeople provide to their customers. As Canada’s leading business insurance brokerage, we represent our clients, not insurance companies. We strive to provide our clients with world-class customer service and ensure you are neither overinsured nor underinsured.

 Getting insured is easy with Zensurance. Start by getting a free quote, which only takes a few minutes to complete. Our friendly, licensed brokers are insurance experts who can guide you through the process, assess your risk profile, review your coverages, and get your company the protection it needs at the best price possible.

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Getting contractors insurance in Ontario shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.

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