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Contractor Insurance

Comprehensive contractor coverage designed for Ontario and GTA independent contractors. Protect your business, safeguard your tools, and ensure professional liability coverage in Mississauga, Ontario, and across Canada.

Why Choose Contractor Insurance?

Comprehensive protection designed specifically for independent contractors.

Professional Liability

Protection against claims of negligence or professional errors.

General Liability

Coverage for property damage and bodily injury claims.

Tools & Equipment

Protection for contractor tools, equipment, and machinery.

Commercial Auto

Coverage for work vehicles and transportation risks.

Who Needs Contractor Insurance?

Protection for all types of independent contractors and tradespeople.

Independent Contractors

Comprehensive coverage for self-employed contractors and tradespeople.

Tradespeople

Specialized coverage for electricians, plumbers, HVAC technicians, and more.

Service Providers

Protection for cleaning services, landscaping, and maintenance contractors.

Specialty Contractors

Coverage for specialized contractors and niche service providers.

What Contractor Insurance Covers

Comprehensive protection for your contracting business.

Professional Liability

Protection against claims of negligence or professional errors.

  • Professional negligence
  • Errors and omissions
  • Service quality claims
  • Contract disputes

General Liability

Coverage for property damage and bodily injury claims.

  • Bodily injury to third parties
  • Property damage coverage
  • Personal and advertising injury
  • Medical payments

Tools & Equipment

Protection for contractor tools, equipment, and machinery.

  • Tool and equipment theft
  • Equipment breakdown
  • Rental equipment coverage
  • Equipment transportation

Commercial Auto

Coverage for work vehicles and transportation risks.

  • Vehicle damage and theft
  • Liability coverage
  • Medical payments
  • Uninsured motorist

Common Contractor Risks

Understanding the risks helps you choose the right coverage.

Property Damage

Contractor work can accidentally damage client property.

Example: A plumber accidentally damages a client's wall while installing pipes.

Professional Errors

Mistakes in workmanship can lead to costly repairs.

Example: An electrician installs wiring incorrectly, causing a fire hazard.

Tool Theft

Expensive tools and equipment are vulnerable to theft.

Example: Tools are stolen from a job site or vehicle overnight.

Vehicle Accidents

Work vehicles are at risk of accidents and damage.

Example: A work van is involved in an accident while traveling between job sites.

Frequently Asked Questions

Common questions about Contractor Insurance coverage.

Contractor Insurance provides specialized coverage for independent contractors, protecting against liability claims, equipment damage, and business interruption.

Independent contractors, tradespeople, service providers, and self-employed professionals need this coverage to protect their business.

It covers general liability, professional liability, tools and equipment, commercial auto, and business interruption.

Coverage limits depend on your trade, project size, and client requirements. Most contractors need $1-2 million in general liability.

Common risks include property damage, bodily injury, professional errors, equipment theft, and business interruption.

Get Your Contractor Insurance Quote

Start protecting your contracting business today. Our team will respond within 2 hours.

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