As a contractor, each job brings in extra money but it also brings extra risk. An accident could cause injuries or damage to property leading to a financial loss that can potentially overwhelm your business with financial liabilities.

And the same contractors insurance you used to protect you for a one-man project may not protect you during a multi-year commercial deal.

Protection for every budget or job

Because every business is different, commercial insurance solutions for Ontario contractors can range from a basic policy to a thorough mix of coverages that vary job to job.

Also, the type of contracting business you own, size, number of employees, and type of work all have an impact on the types of protection you may need.

Brown & Brethour understands the fact that you need to stay focused on the work, not the risks you face every day. So we work with the best carriers of commercial insurance solutions that can help you meet the needs of your business, and put your mind at ease.

Who Needs a Contractors Policy?

Any person or business working in construction trades: building construction, heavy construction or home improvement. We offer coverage for the following trades:

  • Contractors Insurance
  • Carpenter Insurance
  • Plumber Insurance
  • Handyman Insurance
  • Electrician Insurance
  • Masonry Insurance
  • Security Company Insurance
  • Home Builder Insurance
  • Developer Insurance
  • Renovation Insurance
  • Welding Insurance
  • Artisan Insurance
  • HVAC Insurance
  • And more…

Insurance keeps working, even after the job is done

Even when the job is finished, there is plenty more work to be done. You may have connected the final fixtures, flipped the switch, and handed over the keys, but the potential liability from your work goes on. In the trades, you need a solid contractor insurance policy that keeps working to protect you long after you have moved to the next job site.

What does contractors insurance cover?

The list of coverage areas that need to be addressed in your contractors insurance include:

  • Installation Floater covering materials & equipment being installed or delivered
  • Tool & Equipment floater 
  • Trucks and other commercial vehicles to pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own vehicle while on company time.
  • Commercial General Liability to protect your business if you’re found legally liable for injuries or property damage caused by your product, completed work or accidents on your premises
  • And many more …

What about the cost?

Fact is, you can’t afford not to have coverage. Understandably, price is always a concern for contractors. But with a custom contractors insurance policy from Brown & Brethour Insurance Brokers Ltd. , you are in control of what types and amounts of coverage you want to pay for, and when. So it can be surprisingly affordable.

The Brown & Brethour Insurance Brokers Ltd. Difference

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for …

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect people we know and care about in Ontario, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Click on the quote request button now and let the professionals at Brown & Brethour Insurance Brokers Ltd. help you forge the strongest shield possible to help you protect the things you care about most.