Commercial
Contractor insurance
Protection built around a contractor's real risks, without paying for coverage you don't need.
What it covers
The essentials, at a glance.
In practiceA client trips over your extension cord on a job site and is hurt, and general liability covers their injury claim plus your legal defence.
Not coveredInjuries to your own crew go through WCB, and re-doing your own faulty workmanship isn't a liability claim.
In practiceYour tools are stolen from the truck overnight or damaged at a site, and this pays to replace them wherever they were when it happened.
Not coveredEveryday wear, and gear left unsecured against the policy's conditions, may not be paid.
In practiceA fire damages a house you are framing before it is finished, and builders risk covers the structure and materials mid-build.
Not coveredWorker injuries and risks you didn't disclose (like flood on a low site) aren't covered here.
In practiceA crew member rear-ends someone while driving the company truck between jobs, and business auto covers the liability and the vehicle.
Not coveredSomeone running a personal errand in their own vehicle isn't covered by the business policy.
In practiceA serious claim blows past your general-liability limit, and the umbrella adds another layer so one lawsuit doesn't sink the business.
Not coveredIt only responds above the underlying policy's limit and follows the same exclusions as that policy.
Talk to a local broker
As an independent brokerage, we shop multiple carriers so your coverage fits the way you actually work.