We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable contractors coverage tailored for you by BrokerLink.
Specialized insurance coverage for contractor professionals across Canada.
As a contractor, your job is hands-on, fast-paced, and full of risks. One small incident, whether it be stolen tools and equipment, damage to a client's home, or an injury, can lead to major setbacks. That's where contractor insurance comes into play.
This insurance coverage is designed to cover the unique risks you face on and off the job site, so you can focus on the work, not on what could possibly happen when you least expect it to. At BrokerLink, we work with contractors across Canada to build insurance solutions that fit their trade, budget, and province-specific requirements. You've got jobs to oversee; let us help manage your risks.
Get a free contractor insurance quote within minutes.
Get a quote
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Whether you're an independent contractor or operate a large-scale business, contractor insurance is a type of coverage specifically designed to protect your interests and finances in the event something goes wrong on your job site. Every business faces risks, including property damage, injury, lawsuits, equipment failure and more. These unexpected events could disrupt your projects, impact deadlines, and even damage your reputation.
Like all business insurance, contractor coverage isn't a one-size-fits-all solution. It's a customizable plan that may include policies like professional liability insurance, commercial general liability insurance, commercial auto insurance, and more. Your specific coverage will depend on your province's regulations and any additional coverage options you choose to include in your policy, so you can confidently take on your day-to-day.
Why does contractor insurance matter? Because even one unexpected event can cost thousands of dollars or more in financial losses. For example:
Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.
In the construction industry, various professionals need insurance to safeguard their business and assets. BrokerLink helps find insurance policies for skilled tradespeople in various industries:
View More
Working as a contractor comes with a broad range of possible risks that your business could be exposed to. One workplace injury, damage to third-party property, or other unforeseen event could put your livelihood at risk. Insuring your company with a customized contractor insurance policy can help with satisfying legal requirements, risk management, contractual obligations, and protect your assets and interests.
Contractor insurance encompasses numerous policies you can pick and choose to build your perfect plan.
Commercial general liability insurance
Tools and equipment insurance
Provincially mandated workers' compensation
Commercial auto insurance
Business interruption insurance
Pollution liability insurance
Professional liability insurance
Cyber liability insurance
Commercial general liability insurance protects your interests if third-party property damage or third-party injuries occur on your worksite. For example, imagine a scenario where one of your workers is operating equipment at a job site and accidentally collides with a nearby building, causing damage to its exterior wall or windows. This is considered property damage as it affects a third party's property.
Tools and equipment insurance is designed to protect the significant investment in tools, machinery and equipment that are critical to the successful execution of construction projects. It can cover the cost of repairing or replacing these assets if they are damaged, lost, or stolen due to various covered risks such as theft, vandalism, fire, or severe weather events.
If you have employees working for you, you will need to purchase workers' compensation. This coverage kicks in in the event of worker injuries, covering the cost of medical expenses, lost wages, rehabilitation, and more.
Whether you're an independent contractor driving your personal vehicle for business purposes or a contractor with numerous vehicles in your fleet, you'll need to purchase commercial auto insurance. This policy protects you and your employees if they get into an accident while conducting business activities.
Business interruption insurance is designed to compensate businesses for lost income resulting from an interruption in operations due to insured perils, ensuring that the financial health of the business remains stable even during challenging times.
This coverage is designed to protect against claims related to pollution or hazardous materials. These claims might also include chemical spills and fuel leaks. This insurance is crucial for contractors, manufacturers and companies that handle or store potentially hazardous substances, ensuring they can manage environmental hazards without facing crippling financial losses.
Contractor liability insurance, also known as errors and omissions coverage, provides coverage for mistakes made in the performance of professional services, such as design flaws or errors in construction. This coverage is essential for professionals involved in providing specialized services or expertise, such as architects, engineers, and consultants. It protects against claims of negligence, mistakes, or failures to deliver services as promised.
If you store client data using software, cyber liability insurance is a must. This policy protects you in the event you suffer a cyber attack or data breach and will help pay for legal expenses and settlement costs should a lawsuit be filed against you.
Let us be your resource for all things business insurance
Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
24775+ Reviews
Average rating of 4.6
Excellent service, rates and customer service. Highly recommended.
Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
Very nice people here, a welcoming feel, some nice plants, and very helpful and pleasant brokers
BrokerLink was fantastic to work with! Excellent communication, they answered all my questions and concerns, and were always very prompt with their responses. I highly recommend their service!
Always a pleasure to communicate with. Awesome service as always. I would definitely recommend them! Thanks for being there to help when needed!
The people I have dealt with are always very helpful and quick with answers to my questions and/or changes to my policy.
I have been dealing with Doreen at Brokerlink for many years.Always great service and you can tell she really cares to get you the best policy for your needs.Thank you Doreen.
Been using Brokerlink for several years now - exceptional service. It’s nice to actually see and know the broker you are dealing with as opposed to a phone conversation with someone you can barely und...
Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Best customer service of the year for me.well explained and very helpful . Really appreciate it thanks
Excellent Insurance broker especially for new and newly immigrant Canadians. Give them a look if you are looking for excellent service and the right coverage for you.
Fast, efficient, knowledgeable service. Helpful staff.
Great people! Always friendly and knowledgeable and ready to help!
The women that work in this office are so wonderful. We have had some obstacles come up and they made sure they were solved quickly and as easily as they possibly could be. We are very happy with our...
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
First rate service all of the time ( last 10 years) no problems, service always given in a friendly, knowledgable way to ensure we receive the very best deals from the best companies
While insurance can be a pain to deal with, the staff are wonderful, friendly, knowledgeable and always willing to help you understand what is on your documents.
Lovely service, great communication and very helpful!!
Friendly, hassle free service. I'm impressed. Would highly recommend.
100 percent recommend, good quotes, good coverage and amazing brokers and customer care.
Everything went perfectly including prompt follow up.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
If you need a broker, this is the best place to deal with! Amazing staff!!
Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.
Excellent service, quick, efficient, and professional. Highly recommended.
We were very pleased with the quick, friendly, and efficient service we received and will definitely be back for any other insurance needs.
I am completely satisfied with my expérience with the broker link team and i would most definitely recommend broker link to anyone.
Prompt, helpful with advice and finding the right insurance for my small business.
Great brokerage with friendly staff and walk-in service.
Knowledgeable staff with exceptional customer service skills and respect towards customer
Their service has been excellent. Prompt and thorough replies to my questions and the best rates I've experienced.
Great service, a place where you are treated as a customer and not just a number.
The timely personable assistance provided was exceptional. I received answers to questions and issues resolved in minutes. I couldn’t have asked for more friendly and professional help.
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
Contractor insurance premiums can range anywhere between $400 and $1,000 or more, depending on your business's risk profile. This risk profile is determined by your insurance provider using numerous factors, including:
Where your business is located and operates out of will determine your rates. For example, working in a dense urban area can increase your rates, while working in a rural part of your province can lower your premiums, given your business's exposure to hazards.
If your contracting business engages in high-risk activities like demolition, excavation, or heavy lifting, you'll be quoted a higher rate than contractors who engage in less-hazardous jobs.
The more at-fault claims you have on your insurance history, the more likely you are to file a claim in the future. As such, your contractor insurance premium will be set higher to offset the risk of insuring you.
Having a larger number of employees working for your business means more risk exposure than someone working as an independent contractor, leading to higher premiums.
A higher annual revenue will require a higher coverage limit to ensure you're comprehensively protected should something go wrong. Higher limits mean more protection, but also more expensive insurance rates.
Owning expensive tools and equipment requires more insurance coverage in the event your lost or damaged equipment needs to be repaired or replaced.
Insurance for contractors doesn't have to break the bank. Here are some ways you can save on your insurance policies without compromising your coverage:
Bundle your insurance for contractors with other insurance policies, like home insurance or car insurance, with the same insurance provider to qualify for a discount of up to 15%.
Avoid monthly surcharges by paying for your premium upfront if you can afford to do so.
Contractors can reduce premiums by implementing effective risk management strategies, such as safety protocols and employee training.
Insurers often have different underwriting processes, which means the quote you get from one company may be different from another. To find the best deals available, shop around and compare quotes beforehand.
An experienced insurance broker who specializes in the construction industry can help you get the right coverage, ensuring the necessary risks are covered, saving you time and money in the long run.
Whether you're looking for insurance as an independent contractor or a large-scale contractor business, the experienced brokers at BrokerLink have got you covered. With access to numerous policies from some of Canada's top providers, our brokers can shop around on your behalf, compare rates. and customize an insurance plan based on your needs and budget.
Don't leave your business exposed to the unknown. Contact BrokerLink today to speak with an experienced broker about your coverage or get a free quote using our online quote tool right away.
Visit a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Service and claims
About us
Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.
Contractor insurance usually covers contractor liability insurance, equipment coverage, workers' compensation, and commercial auto. Optional policies like installation floaters and business interruption are also available.
Although not legally mandated, most construction jobs require proof of insurance before contracts are completed.
Yes, even if you are working under a general contractor, you will need to purchase your own coverage.
You could be removed from the site, fined, or held personally liable for any damages or injuries that may occur.
Premiums can vary significantly by location, trade, claims history, annual revenue, and more. That said, you can expect your premiums to range anywhere from $400 to $2,000 or more, depending on the size of your business.
General liability covers physical injuries and property damage. Professional liability protects against claims of negligence or faulty workmanship.
Yes, you can bundle your contractor insurance policy with other coverages to save money on your premiums.
Yes, tools and equipment are covered by contractor insurance and can protect you if your tools are lost or damaged.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
Commercial Auto Insurance
Commercial Property Insurance
Commercial General Liability Insurance
Event Liability Insurance
Professional Liability Insurance
Cyber Insurance
Farm Insurance
Home Business bundle
Equipment Breakdown Insurance
Directors & Officers Liability Insurance
Business Interruption Insurance
Course of Construction Insurance
