Contractors Insurance in Canada

Contact Us

In 90 seconds or less, get a quote and obtain your certificate of liability

Whether you are a general contractor or your business focuses on a trade such as deck renovation, electrical work or plumbing, Bullfrog Insurance offers you the right contractors insurance coverage at the right price with a policy that is tailored to your small business needs.

Bullfrog Insurance is dedicated to offering your small business a fast and simple way to shop for commercial insurance coverage online. We understand that as a business owner, you cannot afford setbacks due to unforeseen events or issues. Bullfrog offers you the ability to purchase, pay and receive your policy in real-time so you can get on with your business and what really matters.

Of course, different industries face different risks. To see what independent contractor insurance coverage is suited to your requirements, our experts at Bullfrog can discuss with you the details of your work and business. We are always willing to answer any questions you may have.

What is contractors insurance?

Contractors insurance is a type of insurance designed for Canadian construction industry contractors. It helps protect your contracting business from two main risks:

  1. If a third party gets hurt or has their property damaged and sues you for negligence.
  2. If your property is damaged or destroyed by a covered peril (like fire or theft).

Insurance is designed to reduce the financial burden of an unexpected event (like a fire or lawsuit). As these types of events can be financially devastating for businesses and most cannot cover the costs out of pocket, this coverage is important for financial security.

How much does contractors insurance cost?

The cost of contractors insurance starts at $500 to $1000/year or $42 to $84/month, depending on the insurer and your particular profession. The more risky your particular job is judged to be, the higher the costs.

For example, a carpenter, drywall specialist or electrician with $2 million of insurance would likely have the base premium of $500 to $1000 each year. However, a plumber, remediation specialist, or roofer with the same coverage could start at $2500/year.

The cost of contractors insurance depends on the following factors:

  • Insurance coverage options
  • Industry
  • Business operations
  • Annual revenue
  • Number of employees
  • Insurance history
  • Location

We gather contractors insurance quotes from different Canadian insurance providers to ensure you’re getting the best price for your protection.

Types of Insurance Available for Contractors

Bullfrog offers two main areas of insurance for contractors in Canada:

  1. Contractors Commercial General Liability Insurance
  2. Contractors Property Insurance

We offer these two types of insurance to contractors in Canada to help them protect their business.

What does contractors insurance cover?

Our contractors insurance covers two main areas:

  1. Contractors commercial general liability insurance.
  2. Contractors property insurance.

The first covers your business if you’re sued after a third party is injured or has their property damaged due to negligent acts. Your legal expenses such as defense costs, judgement awards and settlements are covered regardless of the outcome of the case. The second coverage protects your company’s property if its damaged or lost due to an insured peril. This includes fire, theft, and vandalism.

What isn’t covered by contractors insurance?

Each type of contractors insurance covers a specific risk for your business. The liability portion only covers you for claims of injury or property damage to a third party due to negligence. This means it will not cover:

  • Financial loss due to your service
  • Injury to employees
  • Damage to your company’s property (covered by your property insurance)
  • Injury or property damage caused when driving a vehicle
  • Injury or property damage caused intentionally

The property portion covers your company’s property if its damaged or lost due to a covered peril. Certain risks aren’t protected against such as wear and tear, sewer backup, or flooding.

Your policy documents will outline all specific exclusions as well as limits to your protection. Our insurance experts are also available via online chat, email and phone if you have any questions.

Why do contractors need insurance?

Contractors need insurance for two main reasons:

  1. To protect their business against the financial devastation of a lawsuit or an unexpected event.
  2. They are required to hold this coverage by a contract.

Commercial general liability insurance is often required for contractors to be able to bid or start on a job, as part of the contract. This coverage protects both you and your client financially should an accident happen.

Property insurance can help reduce the financial burden of replacing damaged or stolen equipment. If you can’t afford to replace your tools out of pocket, this coverage is a good idea.

Do I need contractors insurance?

If you run a contracting business, yes, you should have contractors business. You will likely be required to hold a certain amount of contractors liability insurance by your contract with clients (or a landlord). Contracts insurance will also help reduce the financial burden of a lawsuit or an unexpected event like your tools being stolen.

Is contractors insurance mandatory?

Contractors insurance is only mandatory in the sense that you may be required to have a certain amount of contractors liability insurance by a client or landlord or other type of contract.

Which professions need contractor insurance?

All contractor professions should have contractor insurance. Bullfrog is proud to provide coverage for:

  • Handypersons
  • Home Renovation Contractors
  • Residential Painters
  • Landscapers
  • Residential Electricians
  • HVAC Contractors
  • General Contractors
  • Carpenters
  • Commercial Cleaning Services
  • Floorers
  • Tilers
  • Electricians
  • Plumbers
  • …and more!

How to Get A Contractors Insurance Quote in Canada

Canada’s contractors work hard. Not only are these jobs generally physically demanding, there’s also the side of running the business. At Bullfrog, we wanted to take some work off of your plate. That’s why we were the first to develop online contractor insurance in Canada. Get a quote or even buy your coverage online in only a few minutes. Here’s how:

  1. Enter your profession.
  2. Provide contact information.
  3. Answer a few questions about your contracting business.
  4. Choose your insurance coverages.
  5. Review your contractors insurance quotes.
  6. Choose an insurance provider.
  7. Pay online.
  8. You’re insured!

We send your certificate of insurance and policy documents directly to you via email. It’s really that easy to get contractors insurance online in Canada!

Where we offer

Locations where we currently offer contractors insurance coverage in Canada:

Why our customers love Bullfrog

Our customers love Bullfrog 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.


Harassement Solutions Inc.

Due to a client’s request, and for the first time, I needed Commercial general liability insurance, but I had no clue where to start. I googled “CGL” and up came Bullfrog Insurance. Even though my needs were relatively small, due to the client needs, they had to be very specific. Every question I asked was answered by the Bullfrog insurance representative, Raman, who was very helpful. And then, when I realized I needed more coverage, she didn’t flinch and let me know she’d get back to me right away. I got great coverage and all of it was done via email. Now I’ll know who to turn to for other small business insurance needs.

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.