Contractor Insurance

Coverage Tailored to your Livelihood

HD Mutual offers contractor insurance (sometimes referred to as trade insurance) to provide contractors with the peace of mind that comes from knowing they are protected on the job. Protect yourself from claims that could threaten your business and livelihood.  

Find the right coverage that works for you.

Balancing protection and affordability can be daunting. With a multitude of coverages and discounts available, comparing quotes can feel intimidating, we want to help with that.

Do You Need it?

If you are a contractor working in a trade or performing contract-based work in Ontario, whether residential or commercial, then contractor insurance is strongly recommended, and is likely a requirement of some of your business partners. Many clients will request to see your insurance documentation prior to signing a contract for your services.   

This specific insurance protects you against financial loss, due to an accident or damages caused to clients or third parties by your alleged negligence. 

At HD Mutual, our agents and brokers go beyond simply reviewing your current coverage; we assess your needs to ensure you will be back up and working as soon as possible in the event of a claim. Specialty coverages for rental equipment and bailees coverage ensure that you’re adequately insured, particularly crucial during times of inflation and resource scarcity. We then tailor coverage recommendations and apply applicable discounts to make your insurance policy both comprehensive and cost-effective.  

How can we help you?

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