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Contractors Insurance

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L.D. Dermody Insurance Brokers provides contractors insurance in Ontario for virtually any type of contractor or builder. Just as the construction industry is continually changing so is the insurance coverage to protect those unforeseen events that may occur. Each trade has different risks that need to be assessed, considered and covered. It is important to work with an insurance broker that not only understands these risks but also has working knowledge of the insurance industry and how to negotiate the best possible pricing. We will customize a contractor insurance package for you that includes the broadest coverage at the right pricing. We have some of the best companies in the market.

The best contractor insurance in Ontario

Examples of some of the  contractors that we have helped recently are:

  • Electrican
  • Plumber
  • Residential renovator
  • Residential roofer

Contractor Insurance

We offer a wide range of commercial Insurance solutions including:

Property & Liability Insurance

  • Business Interruption
  • Boiler & Machinery / Equipment Breakdown
  • Crime
  • Commercial General Liability
  • Contractors Insurance
  • Ocean Marine / Hull & Cargo
  • Package policies for contractors, landlords, retail operations, wholesalers and more
  • Property (general)

Contractors Insurance

  • Bonding
  • Customize Policies
  • Packages Policies

Specialty Liability

  • Directors and Officers
  • Excess Liability
  • Marine
  • Professional Liability / Errors & Omissions
  • Umbrella

Commercial Automobile

  • Individual
  • Fleet
  • Garage


Hammer coming down on a nail

Insurance coverage to consider:

  • Tools / Equipment – Actual Cash Value or Replacement Cost
  • General Liability – Standard limits up to $5 million. Higher limits available.
  • Installation Floater
  • Contractors Equipment floater
  • Surety Bonds
  • Builder’s Risk
  • Catch All Clause
  • Cyber Risk Management Service 
  • Legal Expense insurance

Types of Contractors We Commonly Insure

  • Alterations, Renovations or Repairs (Residential)
  • Antennae Installation
  • Blinds and Curtains installations
  • Cable Installers
  • Carpentry – With Shop Operations/Away From Shop
  • Cement, Concrete Work
  • Chimney Cleaning (Residential)
  • Decks & Fencing
  • Doors, Windows, Siding, Awnings
  • Driveway Paving & Parking lots
  • Drywall, Plastering & Lathing
  • Duct Cleaning
  • Electricians
  • Floor Covering & Ceiling Installations
  • Glass (Glazier) Installation
  • Heating Equipment & Combined Air Conditioning (Residential)
  • Insulation (no asbestos/UFFI or EIFS)
  • Interior Decorator
  • Janitorial Services
  • Landscaping
  • Lawn Sprinkler Installation
  • Machinery, Agricultural
  • Machinery, Industrial (Millwright)
  • Masonry (Including Bricklaying, Stonework, etc.)
  • Painting & Paper Hanging
  • Plumbers
  • Repair Shops
  • Road Construction
  • Roofing
  • Sheet Metal (Work Done Away From Shop)
  • Sign Installation
  • Solar Energy Contractors
  • Swimming Pool installation, servicing, cleaning
  • Tile Work
  • Tree Removal, Trimming, Pruning
  • Window Cleaning


L.D. Dermody Insurance Brokers (1982) Inc.