Contractors Insurance Oshawa

Commercial Insurance for All Size Businesses in Ontario 

Whether you’re a small business or an enterprise, commercial insurance is always a good idea. But if you’re a general contractor, an independent contractor, or a construction tradesperson, insurance isn’t just another item on your to-do list – it’s an absolute necessity.

If a wandering kid was to get injured on your worksite, what would you do? If one of your subcontractors was to make a property-destroying mistake, would your business be able to handle the fallout of a lawsuit?

Here at Insurance Hero, we’ve been helping Ontario businesses get the insurance they need for years. Our experienced brokers will recommend commercial insurance policies that make sense for your business both now and in the future. 

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Benefits of Contractor Insurance

Contractor insurance may be necessary but it’s still a big decision. Should you take out a policy? Does contractor insurance make sense for your business? In our experience, there are at least three major benefits associated with contractor insurance:

  1. You Can Meet Your Legal Requirements

In Ontario, contractors and construction tradespeople are required to carry commercial liability insurance. When you’re dealing with a busy construction site, mistakes can cause serious injuries or damage to property. A solid policy will often be able to step in and cover legal expenses and judgment costs. 

  1. It’s Easier to Get More Clients

Because commercial general liability insurance is required for Oshawa-based contractors, many property owners and government clients will refuse to award contracts to businesses that aren’t properly insured. Contractor insurance doesn’t just satisfy your legal obligations – it’s a valuable marketing tool that you can use to show future customers that you’re the right person for the job.

  1. You Can Have Peace of Mind

For many contractors, lawsuits, project delays, and untimely equipment breakdowns are the stuff of nightmares. What will you do if there’s a fire on-site? If your site is vandalized, how will replacement costs impact your cash flow situation? With the right insurance policy, you don’t have to worry about your next steps in a worst-case scenario. Why? Because help is always a phone call away.

Are you looking to insure your contracting business? Contact us! Our brokers are ready to answer any questions you may have.

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What Does Contractors Insurance Cover?

For most contractors insurance packages, commercial general liability is an absolute necessity. However, some of the contractor-specific coverages we offer include contractor equipment and installation floaters, debris removal, and equipment breakdown. 

Does that sound interesting? Get in touch with us to find out more about the insurance options we cover.

How much is Contractors Insurance?

This one is difficult to answer. Some of the factors that might influence your offered rate include:

  • The projects you’re working on
  • The size of your business
  • Your risk profile

Although offered rates may vary from contractor to contractor, there is one thing we can promise you:

We’ll always recommend the most affordable policies that we have available.

As working professionals ourselves, we understand that business owners have to keep an eye on their costs. You can count on us to help you find excellent coverage at the best prices possible.

Who needs Contractors Insurance?

Anyone who earns a full-time or part-time living as a general contractor, an independent contractor, or a construction tradesperson. 

If this is you, or if it will be you in the near future, contractors insurance isn’t just a legal obligation — it’s a key part of your risk management strategy. When you’re managing a site or providing a service, you never know what can happen. A well-crafted contractors insurance policy can help you protect your business and your livelihood.

Do contractors need insurance in Ontario?


To legally operate a contracting business in Ontario, you need to have a commercial general liability policy. But besides the coverage that’s legally required, there are a number of features that are useful to have. If a fire breaks out on your worksite or a robbery takes place, a well-constructed insurance policy can be a difference-maker for your business. 

Are you ready to try out contractors insurance for your business? Contact Insurance Hero to learn more about what we can do for you!

What kind of insurance do contractors need?

If you intend to offer your services within Oshawa and the surrounding area, it makes sense for commercial general liability insurance to be near the top of your priority list. However, in addition to liability insurance, other important features you can get through Insurance Hero include:

  • Equipment breakdown
  • Installation floaters
  • Builders risk insurance
  • clean-up assistance in case of water and land pollution 
  • And more!

At the end of the day, anything can happen when you’re overseeing a construction project. And when push comes to shove, you need an insurance policy that can get the job done. 

Are you in search of Oshawa-based contractors insurance? Contact Insurance Hero to discuss your insurance needs today!

How to Get a Business Insurance Quote Oshawa Business Owners Can Trust

As a business owner and a contractor, you’ve accomplished a lot. 

You’ve worked hard to build your company. You’ve more than likely put in a lot of late nights and worked some long shifts. And even now, between submitting bids and preparing estimates, you’re probably still putting substantial amounts of time into your business.

When things go wrong and you’re facing a lawsuit or dealing with the aftermath of a natural disaster, the project isn’t the only thing at stake – your professional reputation and your livelihood are also on the line. That’s why it’s essential that you work with an insurance broker that you can trust. 

Here at Insurance Hero, our award-winning team has been offering robust business insurance solutions to Oshawa companies for quite some time. We can help you find the perfect insurance solution for your business. 

Are you ready to secure top-notch insurance for your company? Get your free quote today!