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Small Business Insurance for Contractors
No matter the job you're working on, you're exposed to certain risks that can affect your business and reputation. At TD Insurance, we want to help you protect what you have worked so hard to build. From damage, to or loss of your tools and equipment, to the chance that you make a mistake or get into an accident, you'll need customized coverage to protect your business — we've got you.
Speak to a licensed TD Insurance Advisor 1-855-724-2883
Contractors Insurance is recommended for:
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Painters
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Electricians
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Plumbers
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HVAC Installers
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Fence Repairers
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Carpenters
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Masons
Why You Need Contractors Small Business Insurance
Let’s get you started with a quote
Coverage Options for Contractors
It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.
TD Insurance Savings Commitment
Along with customizing a policy to fit your business's needs, TD Insurance is committed to savings. We may be able to offer you additional discounts – speak to a licensed TD Insurance Advisor today.
Claim Scenarios for Independent Contractors
Potential Claim:
While out driving to a job site, you are in a collision with another vehicle causing damage to your vehicle.
Potential Outcome:
Collision coverage helps pay to repair your vehicle if it is damaged in an accident where you are at-fault or if you are hit by an unidentified vehicle (hit and run). If the vehicle is found to be unrepairable, the Actual Cash Value of the vehicle would be determined and paid.
Potential Claim:
You leave the job site for the day and return the next morning to find your tools are missing from the site.
Potential Outcome:
Your policy may respond by covering the replacement cost of the tools that are missing subject to policy limits.
LEGAL DISCLAIMER
The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.
1TD Insurance refers collectively to the following insurance companies:
1. Security National Insurance Company;
2. Primmum Insurance Company;
3. TD General Insurance Company;
4. TD Home and Auto Insurance Company; and
5. TD Life Insurance Company
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
2TD Insurance refers collectively to the following insurance companies:
• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are "TD Small Business Banking Customers" as defined below.
For the purposes of this Offer only, a "TD Small Business Banking Customers" includes a natural person or business entity who:
• has a TD Small Business Bank deposit or savings account;
• has a TD Business Mortgage or a TD Business Line of Credit, secured or unsecured;
• has a TD Business loan or Canada Small Business Financing Act loan through TD;
• has a TD Business Credit Card or other business credit card issued by TD;
• has a TD Business Investing product or account;
• has TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance.
This Offer provides a 5% discount applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Individually rated commercial automobile insurance policies and endorsements are excluded from this Offer.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
To receive the Offer, the policyholder's name on the TD Insurance business insurance policy must match the name of the natural person or business entity in whose name the product or account in the bulleted list above has been obtained.
Offer may be changed, withdrawn, or extended at any time, without notice.