Contractors Insurance
Key Coverages:
From small trades to general contractors, your work carries unique on-site risks. Our Contractors Insurance packages combine Commercial General Liability (CGL) with Tools & Equipment, Installation Floater, and Builders Risk/Course of Construction to protect your projects, people, and reputation.
General Liability Insurance –
Third-party bodily injury, property damage, completed operations.
Contractors Equipment –
Mobile equipment, tools, and rented/leased equipment.
Installation Floater –
Materials and fixtures while in transit, on-site, and awaiting installation.
Builders Risk/ Course of Construction –
Project materials, temporary structures, and scaffolding.
Wrap-Up Liability –
Single project liability for owners, GCs, and enrolled subcontractors.
Commercial Auto & Non-Owned Auto –
Protects against service-related claims.
Umbrella / Excess Liability –
Higher limits over CGL/Auto Liability Policies.
Pollution Liability (Contractors Pollution) –
Sudden/gradual pollution, mold, asbestos (where eligible).
Surety Bonds –
Bid, performance, and labour & material payment bonds.
Who It's For
General Contractors
Electricians
Plumbers
Roofers
Framers
Landscapers
Demolition
Drywallers
Specialty Trades
Paving Contractors
HVAC Contractors
Common Claims Scenarios
Stolen trailer of tools from a site (Contractor’s Equipment
Overspray or contaminant release (Pollution Liability)
Windstorm damages partially installed materials (Installation Floater/Builders Risk)
Water damage to a client’s property during a reno (CGL)
Risk Mamagement Tips
Maintain Daily job logs and site photos
Use lockable tool storage and GPS tagging for trailers
Implement hot work permits and water shut-off/line testing protocols
Require COIs and contracts with hold-harmless/indemnity and waiver-of-subrogation clauses
What We'll need for a Quote
Business operations, years in trade, revenue, payroll, and subcontracting %
Equipment schedule (values/serials), project values, typical job size and max job size
Claims history (5 years), bonding needs, and certificate/contract requirements
.