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Contractor Insurance

Ensure your assets, equipment, tools, stock, sources of income and liability are protected.

Do You Need Contractor’s Insurance?

If you are a contractor working in a trade or performing contract-based work in Ontario, then contractor insurance coverage is strongly recommended for both residential and commercial work, and it may be required by some of your business partners

This specific insurance covers a wide range of industries to protect you against financial loss, due to an accident or damages caused to clients or third parties. Additionally, many clients will request to see your insurance documentation prior to signing a contract for your services.

Contact Us for Your Personalized Quote

Or call 1-800-265-3573

Contractor Insurance Policies That Protect Your Livelihood

HD Mutual offers contractor insurance (sometimes referred to as trade insurance) to provide contractors with the peace of mind that comes from knowing they are protected on the job. 

Ensure that you and your business are properly covered. Provide reassurance for you and your team, while also protecting yourself from claims that could threaten your business.

Contractor Insurance Coverage Is Available for the Following Trades:

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  • Carpenters
  • Concrete Finishers
  • Drywall Installers
  • Electricians
  • Flooring Installers
  • General Handyman
  • HVAC Installers
  • Landscapers
  • Masons
  • Painters
  • Tilers
  • Window Cleaners
  • Window & Door Installers
  • And more

Coverage Options Include:

  • Commercial Property and Contents
  • Equipment
  • Installation Floater
  • Legal Expenses
  • Rental Equipment
  • Replacement Cost on Equipment
  • Stock
  • Theft of Tools and Equipment
  • Tools
  • Waiver of Depreciation
  • And more

The coverages listed above are purchased in addition to your standard commercial general policy which responds to claims of negligence.

You may also be eligible for discounts if you bundle your commercial auto and contractor insurance, have professional memberships, and more.

If you work in one of the professions listed above, then you need to have contractor insurance for yourself and your team. 

Central Views Property Management’s latest redevelopment project on Main Street

Each type of business requires its own unique coverages, and some conditions apply.
Speak with your insurance representative about available coverages to ensure that you are sufficiently protected.

We’re A Different Type of Insurance Provider

HD Mutual is a mutual insurer, which means that we do things differently from the large, corporate insurers. 

We are proud to be a 100% Canadian-owned company, owned solely by its policyholders, and backed by one of the world’s most financially secure insurance networks: 35 mutual companies, known as Ontario Mutuals, providing strength, stability, and expertise.

When you become a policyholder with Halwell Dumfries Mutual, you become a member owner of the company. This means:

  1. You have a voice.
    When you purchase an insurance policy with us, you’re more than a policyholder. You become a member of our company and your vote counts when important decisions are being made. 
  2. You support your local community.
    When you pay your premiums, the money goes towards employing your neighbours, supporting the local economy, and investing in local projects.
  3. You are treated with respect.
    When you need assistance, you will receive help from a caring and responsive team of professionals. You will never have to deal with a call centre.
  4. You will receive great rates.
    When you have a policy with HD Mutual you are supporting the not-for-profit company, Ontario Mutuals. You can rest assured that your premiums are not going to a select group of shareholders.

The spirit behind mutual insurance is supportive and helpful. It’s about looking out for the greater good — and that’s what makes us different.

HD Mutual will be there with you from beginning to end.
From questions to claims, we do it all in-house.
Your insurance representative is your advocate and you are never alone.
We’ll be there for you.