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Contractors Insurance

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Commercial Business Insurance Contractors Insurance

Ontario Construction, Contractors & Construction Site Insurance – Free Quotes Online

A construction job site can be a hectic place. In any given day you may experience several different risks. Whether you are a small independent contractor or a large company, finding the right kind of contractors insurance protection is essential to help you avoid the legal hassles or financial disasters. At McDougall Insurance we have a team dedicated to providing the proper risk management for contractors and builders.

McDougall isn’t like your average insurance provider. We are the go-to for many working professionals in Ontario. As a trusted insurance broker, we always look to fulfill your requirements and insurance needs first. Accidents happen, no matter the precautions we take to avoid them. Always be prepared by having the right insurance coverage with McDougall. We look after the insurance so all you need to worry about is running your business. For when you want Ontario contractors insurance that matches your enterprise’s requirements, look no further than McDougall Insurance Services.

What is Contractors Insurance?

Contractors insurance is a very broad term considering all the specialty fields that exist in the industry. Coverage for general contractors may be very different from what is required for a roofing specialist, an electrician, or even a plumber. It is important that you have coverage which matches not just your industry’s particular requirements but also your individual business. Regardless of which trade you focus on there a few components which are standard for any contractor’s insurance policy.

Commercial Property Insurance

This protects your businesses buildings, personal property, equipment and tools from direct physical loss.

Commercial General Liability Insurance

This component of the contractor’s insurance policy is to help protect against costly claims or potential legal action should anyone allege you caused bodily injury or property damage as a result of your actions.

Business Vehicle & Fleet Auto Insurance

This is designed to provide coverage for your business vehicles. Whether you have one commercially used vehicle or an entire fleet.

Ontario Contractors Insurance Options

The following coverage may be unique to certain contractors or operations and can be added as an option to your policy.

Installation Floater

This coverage may not be required for every situation. However, plumbers, electricians or HVAC companies may use this coverage as it protects any property you own or are responsible for while in transit or at a job site.

Tool Floater

Additional coverage designed to cover any equipment or tools while at a job site.

Builders Risk Insurance

This coverage is typically required before undertaking any contracting operations. It is designed to provide coverage for a project that is damaged before completion. This coverage is especially important for contractors working on buildings and construction projects.

Pollution Insurance

Environmental Liability insurance protection in case your operation pollutes the environment.

Contractors Surety Bonds

Larger contractors often require a surety to bid on large contracts. This guarantees the Contractor will complete the project in accordance with the contract documents.

Performance bonds

Coverage if the job is only partially finished and you are unable to complete it. The performance bond takes care of the rest.

If you want further details on any of the coverage options listed above, be sure to contact an Ontario contractor insurance broker. They can sit down with you and discuss your circumstances and review what coverage options may be of interest to you.

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Who Needs Contractor Insurance in Ontario

As a working professional, do you need contractor insurance? Ontario business operators and contractors who operate in the following industries should carry contractors insurance:

  • General Contractors
  • Handyman Services
  • Excavating Companies
  • Electricians
  • Plumbers
  • Roofing Contractors
  • Masonry Contractors
  • Painting Contractors
  • Drywall & Siding Contractors
  • HVAC Companies

Why McDougall Insurance for Your Ontario Contractors Insurance?

Contractors insurance can be complicated. Our specialists know the ins and outs of the coverage available and will work alongside you to ensure you have a policy in place that makes sense for your business. After all everyone is different and when it comes to your construction insurance needs yours may be very different than the next guys. Assessing the risk you may encounter on a day-to-day basis is challenging and that is why so many contractors rely on McDougall Insurance & Financial. Thanks to our size and experience we have access to more markets than any other broker in Ontario. This helps us find tailored coverage and pricing options for all our contracting clients. Let one of our contractors insurance brokers show you how we can help your business, contact us today.

In general contractors’ insurance can be pretty broad. It is important that your broker work with you personally in order to assess your individual risks and determine what threats you may be exposed to in order to ensure that you get the most of your coverage. There’s a lot of things to be considered, general liability insurance, commercial property, installation floaters, and more. Our brokers will discuss with you the importance of all the coverage that is available to you and whether or not it will be of benefit to you to add to your policy. That’s the McDougall difference.

Areas We Serve

  • Arnprior
  • Bancroft
  • Barrie
  • Barry’s Bay
  • Belleville
  • Brighton
  • Brockville
  • Carleton Place
  • Cobourg
  • Cornwall
  • Courtice
  • Crysler
  • Eganville
  • Embrun
  • Gananoque
  • Kemptville
  • Kingston
  • Madoc
  • Midland
  • Morrisburg
  • Napanee
  • North Bay
  • Orillia
  • Oshawa
  • Ottawa
  • Parry Sound
  • Pembroke
  • Penetanguishene
  • Perth
  • Petawawa
  • Peterborough
  • Picton
  • Prescott
  • Prince Edward County
  • Sudbury
  • Trenton
  • Wellington
  • Winchester

What Our Customers Are Saying

Eric Irvine

Been dealing with McDougall/Brister Group Winchester for at least the past 5 years and the service has been excellent. Our broker William Barclay is very helpful and helped us save money with the best possible insurance quotes and goes above and beyond with his customer service!

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