Contractors Insurance in Newfoundland

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Bullfrog Insurance Protects Newfoundland Contractors with Insurance Tailored to Their Needs, Easier Than Ever.

In less than 90 seconds, you can get a quote and obtain your certificate of contractor insurance in Newfoundland. The process is simpler than ever so you can get back to doing what you do best – faster and hassle-free.

Are you a general contractor, or does your business focus on a particular trade, such as plumbing, electrical work, HVAC, etc.? Whatever the case, Bullfrog Insurance helps you get the right contractors insurance in Newfoundland at the most affordable price and fits you with a policy that is tailored to your business’ needs. We know that many businesses cannot afford setbacks as a result of unforeseen circumstances, which is why we give you the option to purchase, pay and receive your policy immediately so that you can return to business and what matters most.

FAQs for Newfoundland Contractor Insurance

Different industries may face different risks. Moreover, different risks may come with different price tags. If you are unsure on any front – whether that is to see what Newfoundland contractor insurance is best for your business, how much coverage you need, what it costs, or further details regarding your business and its protection, contact Bullfrog Insurance and ask. Below we have listed some of our most frequently asked questions to help you understand your policy better.

What does contractors insurance in Newfoundland cover?

Contractors insurance in Newfoundland is a type of insurance coverage that has been designed for Canadian contractors. It protects contracting businesses from two main risks:

  • If your property is damaged or destroyed due to a covered peril
  • If a third-party is hurt or has their property damaged and you are sued for negligence

In essence, contractor insurance in Newfoundland is designed to significantly reduce the financial burden of an unexpected event (such as a lawsuit or a fire). These costs can be financially devastating for businesses, and many smaller businesses cannot afford to cover these costs out-of-pocket. Hence, this coverage is considered essential for a business’ financial security.

How much does contractors insurance in Newfoundland cost?

In Newfoundland, contractor insurance depends on your industry. The riskier your occupation is perceived, the higher your costs will end up being. The cost of insurance will vary depending on these factors:

  • Industry
  • Insurance coverage options
  • Business operations
  • Insurance history
  • Physical location
  • Annual revenue

What won’t my Newfoundland contractors insurance cover?

Insurance covers specific risks to your business, but the liability portion of your Newfoundland contractor insurance is only designed to cover you for claims of property damage or injury to a third party as a result of negligence. As such, this may mean your policy excludes:

  • Financial losses resulting from the services you provide
  • Damages to our own company’s property (you need property insurance for this)
  • Injuries/property damage caused while operating a company vehicle (you need commercial auto insurance for this)
  • Intentional damages or injury
  • Injuries to your employees

Is it required for contractors to carry insurance?

Technically, only a landlord or client may require you to carry a certain amount of contractor insurance in Newfoundland. It may not be mandatory to carry protection to operate as a business, but you’ll have a hard time finding a base of operations – or even clients who will agree to work with you. Even without being a necessity, contractors insurance in Newfoundland is imperative as it protects your business against financial devastation due to an unexpected event or a lawsuit.

Who actually needs contractors insurance in Newfoundland?

Every contractor profession should have contractor insurance. Newfoundland industries that may benefit from the coverage that Bullfrog Insurance provides include the following list:

  • Carpenters
  • Commercial Cleaners
  • Electricians
  • Floorers
  • General Contractors
  • Handypersons
  • Home Renovators
  • HVAC Contractors
  • Landscapers
  • Painters
  • Plumbers
  • Tilers

This is hardly a finite list. If you are a contractor who performs a professional service for income, ask our experienced team at Bullfrog Insurance about acquiring protection.

Where we offer

Locations where we currently offer contractor insurance – besides Newfoundland:





Red Deer

British Columbia












Why our customers love Bullfrog Insurance

Our customers love Bullfrog Insurance because we make insurance simple. Do it quickly online yourself or talk to one of our knowledgeable insurance brokers. We’re responsive and professional and our insurance coverage is quality and competitively priced.

An Important Update About Bullfrog Insurance 

Please be aware that due to a change in our operations, Bullfrog Insurance has made the difficult decision to start winding down our business. This means we are no longer accepting new clients. 

Are you an existing Bullfrog Insurance client? Rest assured that your coverage remains valid, and you’ll continue to be protected up until your policy expiry date. Watch your inbox for more details from our team.