Get Competitive Contractors & Construction Insurance

The contracting industry is vast and varied. Whether you’re a general contractor, skilled trade worker, or operate in construction, you face unique risks every day on the job. That’s why a one-size-fits-all policy simply won’t do.

At Vanguard, we specialize in designing custom insurance coverage for contractors across Ontario. We’ll work with you to tailor a protection plan that’s right for your business—ensuring your company, employees, equipment, and materials are protected 24/7.

Key Coverages for Contractors:

- Commercial Property Insurance: Protects buildings, stock, and on-premise equipment from insured losses.

- Commercial Auto Liability Insurance: Covers vehicles used for business purposes.

- Contractors Liability Insurance: Covers third-party bodily injury, property damage, settlements, and legal defense.

- Equipment/Tool Insurance: Protects against theft or damage to essential tools and heavy machinery.

- Business Interruption Insurance: Covers income loss due to downtime from equipment failure, claims, or lawsuits.

- Installation Floater Insurance: Protects materials during transit, installation, or while on-site. Even though contractors may not own the materials, they are held responsible for them.

Specialty Contractor Coverages:

- Contractors Pollution Liability Insurance: Covers environmental clean-up and liability claims from unexpected pollution events. Available per project or as blanket coverage.

- Contractors Errors & Omissions Insurance (E&O): Covers claims of negligence or financial loss not involving bodily injury or property damage filling the gaps that general liability won’t.

- Builders Risk Insurance: Protects buildings under construction from fire, vandalism, theft, and weather-related damage. This coverage is recommended before the project begins and can be purchased by the contractor or property owner.

Why Choose Vanguard for Contractors Insurance?

- Tailored insurance plans based on your unique operations

- Access to top-tier insurance partners for competitive pricing

- Education and guidance to properly disclose operations and avoid coverage gaps

- Responsive support throughout the claims process

Get the protection your contracting business needs to thrive contact Vanguard today for a custom contractors insurance quote.