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ONTARIO CONTRACTORS INSURANCE
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Everything You Need To Know About Contractors Insurance

 

What is a contractor?

You’ve probably heard the word time and time again (you’ve probably even said it without realizing) but what exactly does a contractor do? Well, that will depend on the type of business you operate. But in general, a contractor is a person or company that does business on a contract basis. To some degree, being a contractor is similar to being a business owner.

Laws surrounding contractors’ insurance may be different depending on where you’re located. For example, in Hamilton to do business, contractors are required to have a valid Trade and Contractor License – and with this comes third-party liability insurance.

Regardless of where you’re located in Ontario, if you are a contractor or even a subcontractor, having insurance coverage is vital – especially if you are in the construction business since this is one of the most susceptible industries for liability lawsuits.

 

How Contractors Insurance Works

We have access to over 25 insurance carriers who can provide unique quotes specific to your operation. Before we reach that step though, you will need to provide answers to the following questions (this will help in determining an appropriate quote):

  • How many employees do you have?
  • Where do your employees conduct work for you?
  • Are your employees part-time, full-time, or subcontracted?
  • How long you have worked in the specific industry?
  • How many claims you have filed in the past?
  • Details of any claims filed.
  • The risks associated with operating your business.

We will then take this information to the carriers we represent to negotiate on your behalf. The result will be creating a Contractor Insurance coverage plan perfect for your business, at a great rate.

 

What Does Contractors Insurance Cover?

Many contractor insurance policies have specific coverage components, including the ones listed below.

  • Bodily Injury: This coverage is provided to cover claims in the event of a financial loss initiated by an injury caused by you or one of your employees. However, this coverage does not protect your employees.
  • Property Damage: This coverage will provide the funds necessary to repair or replace any damaged items at a job site.
  • Advertising: Protection under a contractor’s liability policy will cover businesses in the event of a lawsuit claiming copyright infringement when advertising their services.
  • Reputation: A contractor’s liability policy, if selected, can provide coverage in the event your business is harmed by certain claims of libel, slander, malicious prosecution, and violation of privacy rights.
  • Medical Payments: Provides coverage for medical bills.
  • Rented Premises: Coverage is provided if your business rents a location, and the property is damaged while occupying the space.

In addition to these basic liability coverages, many contractors’ insurance policies can provide additional extensions for coverage. Including:

  • Cyber Liability: If your business stores any personally identifiable information such as birthdays, credit card numbers, addresses, and other key information, your business has cyber liability exposure.
  • Work Performed by Subcontractors: Most contractor’s liability insurance policies exclude coverage for work done by subcontractors. Coverage extending to work performed by subcontractors can be included in your policy to add an extra layer of protection.
  • Hired and Non-Owned Automobile: Most contractors will have an automobile policy providing hired and non-owned automobile coverage. However, in the few instances where no commercial vehicles are owned, you will want to include this coverage extension. This extension covers claims when renting, borrowing, or using a non-owned automobile for business.

 

How Can You Get Started

If you have specific questions relating to Contractors Insurance, or want more information, the Duliban Insurance Brokers team is here to help! Contact us today to find answers to your questions and to get a free quote based on your specific needs.

Here's What Some Of Our Awesome Client Family Is Saying

Jaysus from the thousand islands
Jaysus from the thousand islands
2022-01-13
Verified
I was in a pinch and needed insurance for my new business. Never having obtained commercial insurance before I knew it would be challenging. After calling numerous companies it became clear that Duliban was the right choice. They were very professional, had amazing response times, and got me the insurance I needed. I wouldn't consider any other company for my insurance needs.
Tracey Saulnier
Tracey Saulnier
2021-12-18
Verified
Holly and Trevor have provided excellent service so far in giving us a very competitive quote and following through with the sign up process. We are new to the company so we will give a further review after we’ve been with them a while. So far- we are really impressed!
David Martino
David Martino
2021-12-13
Verified
A terrific experience all around. Domenic and his team were quick, efficient and got us great home and auto insurance policies at an excellent price. Clear and effective communication throughout. Highly recommended.
Ryan Lymer
Ryan Lymer
2021-11-27
Verified
I did an online multi-quote, gave me multiple quotes from companies in my area, and a few from outside my region. Thought to myself, that's too good to be true, so I disregarded it. About 20 minutes later, Amy, from Duliban Brokers gave me a call. She was very professional and very informative. Gave her the basic information to start a policy. Even though their offices closed at 2pm on Saturday, she went above and beyond with setting everything up for me on her end. Everything was online and easy. Had my new vehicle insured for the following Monday. Would absolutely recommend friends and foes to consider using Duliban Insurance Brokers for their insurance needs. Thank you so much Amy, I am beyond happy with my service.
Mike Virk
Mike Virk
2021-11-11
Verified
Must give them try holly Moore gave me 5 star service.
John Delgaty
John Delgaty
2021-11-01
Verified
A huge thank you to Domenic Tollis for finding the best possible insurance coverage for our vehicles and home. Domenic has excellent communication skills, is proactive and patient. He answered all of our questions and worked hard on the various scenarios presented to him. Other companies should take note of this kind company/client relationship. Well done Domenic and Duliban Insurance!!
Joan D
Joan D
2021-10-25
Verified
Our car insurance was coming up for renewal with TD Insurance and I tried to get a lower rate with no luck. I didn’t have the time or energy to call multiple insurance companies for quotes. I’ve never used a broker before and a friend recommended Duliban. I’m so glad I called! It took 20 minutes on the phone with Warren Drake and I saved $160 per month for our cars and we have a 17 year old casual driver in the house. Our coverage is all the same except lower deductibles with Duliban (CAA had the best rates for us). The rates for home insurance were so good that we renewed early and took a penalty. I wouldn’t hesitate to recommend Duliban and Warren Drake, very professional, great customer service and they’re local to Niagara 😊
Raelynn Found
Raelynn Found
2021-10-10
Verified
Holly provided excellent customer service and made my transition from my previous Insurance company quick and easy. She provided me with a rate at half the price I was previously paying. We spoke over the phone and via text which made it very easy for contact throughout my busy day. I highly recommend Holly and Duliban Insurance!!!

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