How Does Insurance Protect Contractors

commercial liability insurance ontario
Aug 06 2019 3 min read

Contractors have a lot to juggle, sometimes literally. Worrying about their coverage while up on ladder shouldn’t be one of the balls in the air.

Contractor Insurance

Let’s see how insurance protects contractors:


A small contracting business can come with big risks. Whether it’s potential damage to a customers building or property, someones personal injury related to your job site or a lawsuit stemming from breach of contract, commercial liability insurance is essential to protecting contractors.

This can be especially true for a landscaping business, electricians (for which business insurance is mandatory in Ontario) and other general contractors.


These are a common coverage area for contractors. This intends to provide protection to items that are installed at your customer premises. Miscellaneous Floaters are intended to cover property that is away from any of the insured business locations that are listed on their policy.


Your property is important to you and if there is any vandalism to your business, fire damage to your equipment or other. Protecting your property is the intent of Equipment and Stock coverage. We will discuss your options with you and ensure proper limits are in place. Your tools are easily one of your most valuable assets, so if stolen from your building, at a job site or somewhere else, we can help you protect those assets too!

As a contractor, when you’re not working you’re not earning, Erie Mutual understands that. We resource various types of business owners to find coverage based on their needs. If you suffer a loss, we want to make sure you will not also lose out on income.


We also understand that you may run your contracting business from your home. There are specific coverage options available for home based businesses, so we work with you to make sure your business is covered as well as any corporation name involved.

With all things, there are risks involved and regardless if it may be constructing a building, adding fixtures, and using equipment at a job site, we are here to protect you with the proper insurance coverage and limits required.

Our dedicated team is committed to the Erie Mutual core values and will provide you with the insurance experience you expect.

Catering to your needs, if your business operations do not fit within our current packages, we will work through the nooks and crannies and customize a package.  Each package contains a specific list of extensions and limits that are catered to the needs of that particular business operation.

We are very familiar with your industry and have even worked within it to gain an in-depth knowledge of what your work is all about. Knowing that your contractor insurance has been custom crafted to protect your business gives you peace of mind. Erie Mutual understands that special contractors insurance is valuable, and this includes a mix of policies, endorsements and services that properly protects you.

Erie Mutual Insurance proudly serves the commercial insurance, farm insurance, home insurance and auto insurance needs of members throughout Southern Ontario including Haldimand, Niagara and Hamilton.

Please don’t hesitate to contact us with any questions you may have about this or any other topic related to your insurance.

Please contact us with any questions you may have about this or any other topic related to your insurance.

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