Contractors Insurance

Owning a contracting business can be hectic… juggling projects deadlines, making decisions, responsibilities to your clients, is no easy task. Insurance might be the last thing on your mind but it’s an important part of your business, so let us take that off your plate.

Contractors deal with a wide variety of potential risks, from property damage, to work not being completed properly by sub trades, to work vehicles getting into an accident.  It’s difficult to determine what kind of insurance is required or necessary for your business.  At ONE Insurance we have the experience to help guide you through the process and build a customized insurance policy for your business.

The type of policy you purchase could depend on what trade you are involved in, we work with plumbers, framers, general contractors, roofers, electricians, carpenters and many more.  We spend the time with you to learn about your business and help discover your potential exposures to put together the right insurance policy.

Some of the coverages we review with you are:

  • Property - coverage for your leased or owned building, business property and equipment & business interruption coverage.  Tools that leave the premises, contractors equipment that are used on a job site including owned/rented or leased.
  • Liability - bodily injury, property damage or medical payments from on-site accidents or other injuries or damages that occur while running your business.
  • Installation Floater – covers equipment in transit to the job site, while awaiting installation site.
  • Professional indemnity - coverage for you against claims of negligence.
  • Bonds – Facility, Performance, Labor and Material Bonds, we can provide for jobs that require it.
  • Other coverages - coverage for completed operations, premises liability, crime coverage, excess or umbrella liability and more.