Contractors & Construction Insurance
Comprehensive protection for contractors, tradespeople, and construction professionals. Customized coverage that keeps your business, equipment, and reputation protected on every job site.
Why Contractors Insurance Matters
Construction sites are high-risk environments. From equipment malfunctions to third-party injuries, contractors face unique challenges that require specialized insurance protection.
Liability Protection
Protect your business from costly lawsuits related to property damage or bodily injury on job sites.
Equipment Coverage
Safeguard your valuable tools and equipment from theft, damage, or loss during transit and on-site.
Contract Compliance
Meet insurance requirements for contracts and bids, ensuring you can compete for larger projects.
Comprehensive Coverage Options
We offer a wide range of insurance coverages tailored to the unique needs of contractors and construction professionals.
Commercial General Liability
Covers third-party bodily injury, property damage, and legal defense costs from your business operations.
Commercial Property Insurance
Protects your building, stock, and equipment from losses due to fire, theft, or natural disasters.
Commercial Auto Insurance
Covers vehicles used for commercial purposes, including liability and physical damage coverage.
Equipment & Tool Insurance
Protects your tools and equipment from theft, damage, or loss during transit and on job sites.
Professional Liability (E&O)
Covers claims of negligence, errors, or omissions that result in financial loss to clients.
Builders Risk Insurance
Insures projects under construction from damage, theft, vandalism, and natural elements.
Pollution Liability
Covers costs related to accidental pollution incidents and cleanup costs, including government fines.
Equipment Breakdown
Covers repair or replacement costs when essential construction equipment breaks down unexpectedly.
Installation Floater
Protects materials during transit and installation, covering contractor responsibility for client materials.
Who Needs Contractors Insurance?
If you work in construction or skilled trades, specialized insurance is essential to protect your business from the unique risks you face daily.
General Contractors
- • Construction Managers
- • Site Supervisors
- • Project Managers
Electrical & HVAC
- • Electricians
- • HVAC Technicians
- • Electrical Engineers
Plumbing & Roofing
- • Plumbers
- • Roofers
- • Waterproofing Specialists
Specialized Trades
- • Carpenters
- • Welders
- • Masons
Finishing Trades
- • Painters
- • Drywall Installers
- • Flooring Specialists
Property Owners
- • Developers
- • Property Managers
- • Building Owners
Subcontractors
- • Specialty Contractors
- • Independent Tradespeople
- • Consultants
Equipment Operators
- • Heavy Equipment Operators
- • Crane Operators
- • Excavation Specialists
Common Risks Covered
Construction and contracting work comes with inherent risks. Our insurance protects you from the most common hazards.
Third-Party Bodily Injury
Coverage for injuries to clients, visitors, or the public caused by your work or operations.
Property Damage
Protection when your work damages client property, neighboring buildings, or underground utilities.
Equipment Theft & Damage
Coverage for stolen or damaged tools and equipment, whether on-site or in transit.
Professional Negligence
Protection from claims of errors, omissions, or failure to deliver services as promised.
Environmental Pollution
Coverage for accidental pollution incidents and cleanup costs, including government fines.
Business Interruption
Financial protection when equipment breakdown or claims cause business downtime and lost income.
Why Choose Rocket Insurance?
We specialize in contractors insurance and understand the unique challenges of the construction industry.
Customized Coverage
Tailored insurance plans that fit your specific trade, project size, and risk profile - not one-size-fits-all.
Industry Expertise
Our team understands construction risks and works with leading insurers to get you the best protection.
Fast, Reliable Service
Quick quotes, professional support, and competitive rates so you can focus on what you do best.
Frequently Asked Questions
Do I need contractors insurance if I'm a sole proprietor?
Yes! Even as a sole proprietor, you face liability risks from your work. Many clients and contracts require proof of insurance before hiring contractors. Insurance protects your personal assets from lawsuits and claims.
What's the difference between CGL and professional liability?
Commercial General Liability (CGL) covers bodily injury and property damage from your operations. Professional Liability (E&O) covers financial losses from errors, omissions, or failure to deliver services as promised. Many contractors need both.
How much does contractors insurance cost?
Costs vary based on your trade, revenue, number of employees, coverage limits, and claims history. A basic CGL policy can start around $1,000-$2,000 annually for small contractors, but we customize coverage to your specific needs and budget.
Does my insurance cover subcontractors?
Typically, your insurance covers your direct employees. Subcontractors should carry their own insurance. However, you can add coverage for subcontractors or require certificates of insurance from them to protect yourself from their liability.
What if I work in multiple provinces or states?
We can arrange coverage that extends across Canada and into the United States if needed. Let us know where you operate, and we'll ensure your policy provides adequate protection in all locations.
Ready to Protect Your Construction Business?
Get a customized contractors insurance quote today. Our experts will help you find the right coverage at competitive rates.