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Contractor Insurance

Comprehensive general contractor insurance for Ontario trades.

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Protect Your Construction Trade & Assets

Operating a contracting business in Ontario means balancing shifting project timelines, expensive equipment transport, and demanding job site safety standards. From a single tool theft to an accidental third-party structural failure, an unexpected incident can pause your operations and completely drain your hard-earned business equity.

At McLean & Dickey, we build custom contractor insurance programs tailored specifically to smaller trades and independent specialists. Partnering with premier Canadian insurance carriers like The Commonwell Mutual Insurance Group, our comprehensive Contractor’s Gold Package gives you the exact protection you need without unnecessary fluff—for as low as $1,000.

Whether you need specialized contractor insurance configurations in Barrie, contractor insurance packages in Midland, or contractor insurance protection lines in Muskoka, our team delivers local expertise to keep your business moving safely ahead.

A smiling contractor stands confidently by a service van, showcasing tools and a professional demeanour.

What Does the Contractor's Gold Package Cover?

A standard commercial insurance policy is not designed to protect against construction-specific liabilities. Your contractor liability insurance program will consider the full scope of job site risk, including mobile tools and equipment, temporary storage, and  structural installations:

Commercial General Liability (CGL)

This vital protection forms a shield against third-party property damage or bodily injury claims occurring on your active job sites. If an accidental water leak ruins a client’s framing or a visitor slips near your workspace, our CGL provisions offer robust protection up to $10,000,000.

Your business cannot operate without its physical gear. Our core package covers your operational tools up to $10,000 and heavy equipment up to $50,000 against common perils like targeted theft, vandalism, and vehicle transit damage. For contractors maintaining a fixed base of operations, office space, or permanent storage yard, learn how commercial property insurance protects your land-based assets.

Protects your high-value construction materials up to $50,000 from the exact second they leave your suppliers or warehouse, keeping them fully covered while in transit and stored on-site until they are permanently installed into the structure.

Renting specialized machinery for a complex job? This extension adds up to $10,000 in direct coverage for rented or leased tools, ensuring you satisfy commercial rental house agreements instantly.

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Tailored Protection for Specific Sub-Trades

Different trades face entirely distinct field hazards. Our contractors insurance in Ontario program features specialized parameters optimized around your exact trade niche:

Electrical Contractors

Custom packages covering specialized testing meters, circuit assets, and explicit liability provisions protecting your business against accidental electrical fire exposures.

Enhanced water-damage extensions designed to safeguard your business from sudden internal line escape, localized testing leaks, and expensive soldering hazards.

Robust structural material coverages, specialized scaffolding liability configurations, and comprehensive transit floaters for fine-finish materials.

Specialized mobile equipment protection lines for excavators, skid steers, and underground utility disruption liability exposures.

A male electrician works in a switchboard with an electrical connecting cable.

Specialized Add-On Coverages to Scale Your Business

As your business wins larger municipal or private agreements, easily broaden your safety net with essential endorsements and higher structural limits:

Equipment Breakdown Insurance

Covers unexpected electrical or mechanical failures of major stationary machinery or specialized shop diagnostic gear.

Umbrella Liability Protection

Extends your underlying policy limits, providing an essential layer of multi-million dollar liability security for major commercial project requirements.

Product Recall Expense Endorsements

Essential if your business manufactures or alters structural components, helping mitigate the steep costs of correcting a broad system defect.

Sewer Back-Up & Flood Protection

Crucial coverage for contractors maintaining permanent commercial properties, physical offices, or equipment storage yards.

Frequently Asked Questions (FAQs)

Our independent brokers answer your industry-related insurance inquiries:

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What is the difference between general contractor insurance and independent contractor insurance?

General contractor insurance is structured for business owners managing whole sites and directing multiple sub-trades. Independent contractor insurance is customized for single business operators or specialized tradespeople who need to protect their own tools, vehicles, and liability.

Clients require proof of contractor liability insurance to ensure that if your operations cause accidental structural damage or property failures to a commercial building, your policy will pay for the repairs. This keeps the property owner’s baseline coverage completely insulated from loss.

It covers construction materials (such as luxury flooring, custom cabinetry, or HVAC units) prior to installation. It protects them from the time they leave the warehouse, through transit, and while sitting uninstalled on-site, until they are permanently installed.

While you can alter specific vehicle coverages based on their seasonal use, removing liability coverage is not an option. Seasonality is taken into consideration when the policy is underwritten and your annual premium reflects this accordingly. 

The McLean & Dickey Advantage: Local Advocacy Since 1922

Navigating construction risks requires a local partner who understands your market. At McLean & Dickey, we have provided clear, independent commercial guidance to Ontario businesses for over 100 years.

As an independent brokerage, we don’t answer to a single insurance corporation—we answer to you. We evaluate your unique field hazards and compare rates across top-tier Canadian markets to deliver maximum protection at highly competitive rates.

From single specialty trades to growing commercial general contractor firms, our team serves as your proud neighbor, business advisor, and dedicated claims advocate.

Protect Your Business Investment Today

What Our Local Clients Say

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Absolutely Satisfied

My agent Stephanie O. facilitated a smooth transition to a better insurance package for both my personal and business needs. She made me feel comfortable and confident with my choices and took time to explain every step of the process. Absolutely satisfied with my savings and the services provided.

— Alyssa A.
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I Feel Looked After

Was disappointed with the lack of service from my previous broker. Love that when I call McLean & Dickey, I am talking to someone in my city, that I have met face to face with.

When getting the quotes for home, auto and commercial vehicle, the rates are very competitive, payment process was clean and simple and I feel looked after and cared for!

— KL
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Went the Extra Mile

I’ve used M&D for commercial insurance the past 7 years. My experiences have been nothing but positive and recently I got a policy on a new car. Chantal and Julie are professional, pleasant and very competent.

— Don A.

Resources for Contractors and the Construction Industry

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