Contractors and Trades Insurance

Whether you’re a contractor, plumber, roofer, builder, electrician, drywaller, HVAC installer or other tradesperson, we know it’s important to have the right insurance to protect your business. At Stewart Morrison Insurance, we’ll build a solution that ensures you’re covered.

Get a quote

Get an insurance quote tailored to you.

Call Us

Custom-Built Insurance Coverage You Can Count On

You are the person people trust for new builds, renovations or repairs, and we understand you want to provide a great service while ensuring you and your clients are protected. From builders’ risk to materials or tool theft from a work site, equipment coverage to bid bonds, we can provide the right insurance for you.

Our expert insurance brokers will take the time to understand your operations so we can craft a custom insurance policy for your business. We’ll make sure you have the right level of liability, theft, damage and other coverages, and if you ever need to make a claim, we’ll be there to advocate for you — so you can focus on getting back on the job.

We provide insurance for a wide range of construction industry contractors and trades, such as:

  • Contractors
  • Builders
  • Electricians
  • Plumbers
  • Drywall Contractors
  • Roofers
  • Window and Door Installers
  • Designers
  • Excavators
  • House Movers
  • HVAC Installers
  • and more

Our trades and contractors insurance packages give you the right coverage at the best value. Let’s work together to build you a custom solution you can count on.

Trades and Contractors Insurance Coverages

Your business is unique, so your insurance should be, too. Here are some of the coverages you may need.

  • Buildings

    Coverage for loss or damage to buildings you own as a result of fire, wind, water, theft or other unexpected incidences.

  • Equipment and Tool Floaters

    Coverage for the loss or damage of tools and equipment, including from theft, at your work site, in storage or while in transit. This can include loss of use or rental coverage for down time.

  • Installation Floater

    Provides coverage for materials not yet installed or in process of installation, including damage of materials, supplies and equipment while in transit or during installation.

  • Crime

    Coverage for financial loss of currency or inventory due to employee dishonesty, inside or outside robbery, fraud, or forgery.

  • Builders Risk

    Covers property owners or builders of projects for damage or losses that occur during the course of construction, renovations, or repairs.

  • Loss of Income / Business Interruption

    Coverage for loss of income as a result of an interruption of your regular business operations due to a covered loss.

  • Commercial Liability

    Protects your business against claims for bodily injury, property damage, or products or advertising liability that arise from your business operations.

  • Contractor’s Errors and Omissions

    A specific form of liability coverage to protect against claims of unintentional work errors, defective products or inadequate or defective work that results in the client’s property being unusable (i.e., impaired property).

  • Wrap-Up Liability

    Blanket coverage to protect the project owner, contractors and sub-contractors under one policy.

  • Business Vehicles

    Coverage for vehicles used for or registered to your business. This allows your employees or others to drive with coverage for liability, accident benefit, collision, comprehensive, and loss of use, in case of an accident.

  • Surety Bond

    This third-party contract is designed to guarantee a contractor will fulfill their contractual obligations. There are three main types of surety bonds:

    • Bid Bond: guarantees ability to complete job as outlined in a bid
    • Performance Bond: guarantees quality and terms of work
    • Payment Bond: guarantees payments between owner, contractor and subcontractors, labourers and suppliers
Get a quote

Why Choose Stewart Morrison Insurance?

We Provide Guidance

We provide genuine care, expertise and personalized service you can count on. You deserve to feel you can trust your insurance broker to do the best for you. We listen, ask questions and understand, taking the worry out of purchasing insurance. You will have a dedicated person to talk with, and they will deliver the right solutions for your family or your business.

We Deliver Value

Once we understand your needs, we will negotiate the right coverage and competitive premiums with the insurance provider most suited to you. Your premium dollars should be used to the best advantage, and we do that for you.

We Advocate for You

Insurance is complex and different for everyone, and that’s why it needs a human touch. We’ll guide you through purchasing your insurance and assist in the claims process. We have strong relationships with our insurance partners, who respect what we do, and because we have the right coverage in place for you from the beginning, we can and will advocate for you. Our commitment is to be there when you need us, always.

“We take the worry out of purchasing insurance. Call us: Our business is to protect yours.”

Marlene Morrison Nicholls
President & CEO

Live Your Best, Let Us Do the Rest

We’re here to ensure you’re protected and have insurance options for your business, your home and all that matters to you. Learn more: