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!
New Growth Means a Better Policy
As your business expands, so do your insurance needs. While price is always a concern, a customized contractor’s insurance policy puts you in control. Key areas of coverage include:
Liability: Protects against claims of injury or property damage.
Worker’s Compensation: Ensures employees are covered for work-related injuries.
Bonds: Required for certain commercial contracts.
Disability Insurance: Covers lost income if you’re unable to work.
Commercial Vehicles: Protects trucks and other vehicles essential to your work.
Industry-Specific Considerations
By understanding the full spectrum of potential exposures, you can ensure your insurance policy truly protects your business, employees, and assets—allowing you to focus on growth without unnecessary risk. Contractor insurance often overlaps with related coverages due to shared risks like liability, tools, vehicles, and property:
Electricians & janitorial services: Similar exposures, often included in bundled contractor packages.
Commercial auto & property insurance: Essential for transporting and storing tools.
Small business insurance: Bundles core protections for convenience and savings.
Manufacturers: May need extra coverage for in-house custom parts.
Non-construction businesses: Laundromats, salons, and restaurants face similar structural and liability risks.
