NS, NB & PEI Contractor's Insurance

As a contractor, each job you win brings in extra money, but it also brings extra risk. The same contractor’s insurance that protected you for a one-man project may not protect you during your new multi-year commercial deal. Now you need a good policy!

You know that insurance is vital to all aspects of your business as a contractor–it can literally keep you in business when accidents occur.

New Growth Means a Better Policy

Price is always a concern for contractors, but with a custom contractors insurance policy, you are in control of what types and amounts of coverage you that want to pay for. It can be surprisingly affordable.

The list of coverage areas that need to be addressed in your contractor’s insurance include liability, worker’s compensation, bonds, disability, trucks and other commercial vehicles. If your contractor’s insurance misses any one aspect of this protection, your job and your company will be at risk. Get started now so that your coverage is in place by the time you bid your next job and you’ll be able to incorporate those costs.

Contractor’s insurance often overlaps with related coverages due to shared risks like liability, tools, vehicles, and property. Electricians and janitorial services face similar exposures and are often included in tailored contractor packages. Commercial auto and property insurance are essential for transporting and storing tools, while small business insurance bundles core protections. Manufacturers insurance may apply if custom parts are made in-house. Though not industry-specific, laundromats, salons, and restaurants share structural risk similarities. D&O insurance is rare but relevant for larger or incorporated contractor firms.