Contractors’ Insurance

Contractors face a variety of risks, from the moment they take on a project to the final finishing touch. You’ll want to stay protected through the course of any contracting project with our custom and comprehensive contractors’ insurance policy.

Who needs contractors’ insurance?

Our comprehensive contractors’ insurance policies can cater to a variety of sectors, including:

From equipment damage to bodily injury, major issues can arise during the course of construction. As a contractor, you can’t count on someone else looking out for your best interests – you have to protect yourself with smart coverage in case something goes wrong.

We know different types of contractors are exposed to different kinds of risks. We’ve crafted separate policies to align with the needs of each of these contracting subsectors. Click the links to the left for a closer look into what the policy can offer your business.

What does contractors’ insurance cover?

Our policies feature coverages like:

  • Equipment Floater
  • Errors & Omissions
  • Non-owned Automobile
  • Installation Floater

Without the right insurance, contractors can face significant expenses, like major equipment replacement costs and legal fees that come with liability claims.

Our insurance products for contractors include some of the most important coverages to safeguard your tools and equipment, cover errors or omissions in your work, and keep your employees protected when they’re on the road.

Contracting work can be complex, so we include other important coverages in your policy, including:

  • Property Insurance
  • Contractor’s Equipment and Tools Insurance
  • Business Income Insurance
  • Equipment Breakdown Coverage
  • Crime Coverage
  • Inland Marine Insurance
  • Commercial Automobile Coverage
  • Commercial General Liability Insurance
  • Excess Liability Insurance
  • Directors & Officers Insurance

Take the first step toward your new and improved policy.

Request a quote today!

How can our contractors’ insurance help your company?

See how our other contractors’ insurance coverages can come to your rescue, whether you’re a general contractor or work in a specific trade.

Our brokers and underwriters understand contracting businesses and the evolving exposures in the industry. That’s why our policies go further.

We provide extended coverage for contractors’ automobiles, equipment, and legal liabilities – coverage you won’t find in all business insurance policies. For instance, a general policy may not cover you if improperly loaded construction materials were to fly out of the back of your company pick-up truck and injure the driver behind you. Our contractors’ insurance coverage would apply in this situation.

What can you expect from your policy?

Construction insurance - Knowledge:

Knowledge:

Our underwriting team understands the changing exposures for contractors, so we can adapt and expand our offerings as our customers’ needs grow. This means we’ll be able to get you up and running again quickly after an unexpected incident.

Construction insurance - Resolution:

Resolution:

We hope you never experience a loss, but if you do, you can count on our dedicated claims team to help get you back to business quickly. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.

Construction insurance - Support:

Support:

You can enjoy the perks of your policy well before you experience a loss – our Risk Services team works hard to help keep your operations running safely, smoothly and consistently.

We take your coverage a few steps further.

Unparalleled industry expertise, professional guidance, and innovative approaches to managing risk help our Northbridge Risk Services experts stay one step ahead of the crowd. Each year, our team conducts over 5,000 risk assessments and service calls for businesses across Canada. Our onsite assessments are complemented by a selection of in-depth training programs and educational tools to help companies excel in their industries.

Our Risk Services team offers a number of technical publications to help you gain a better understanding of the potential exposures in your operation. We’re always adding more Risk Insights to our library – check back often to see what’s new.

If you’d like to receive an electronic or printed version of any of our Risk Insights, please contact your Risk Services consultant or your broker. You can also tap into our expert advice as we explore risk management topics on the Northbridge Insurance blog.

Ready to get the coverage your business needs?

Request a quote now!

We know the construction sector, and we like to talk about it!

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Alert to our Customers – Canada Post strike

To avoid disruption in your insurance coverage in the event of a possible Canada Post strike, we ask that you pay your premium using online banking or contact your broker about alternate payment methods.

For inquiries about any in-progress claims, please contact the adjuster handling your claim.
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