Contractors insurance

CFIB and Northbridge Insurance have come together to offer small business owners the support they need at every step of the way. From smart protection for your property to legal help at the ready, Northbridge has CFIB members covered with a carefully curated insurance package that speaks to your risks – and supports your success.

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Contractors, we’ve got you covered

Whether you’re a general contractor or you specialize in a specific trade, you can run into a variety of challenges on the job.

Our contractors’ insurance policies are designed with a range of relevant risks in mind, so you can stay protected through the course of any contracting project you take on.

Your policy in action

Why do you need construction and contracting coverage?
Sometimes general property and liability coverage won’t extend to the specific situations you meet in your day-to-day. For instance, if you use your personal vehicle to run work errands or transport materials for a job, you’re likely not covered under your personal auto insurance – you’d need our Non-Owned Automobile coverage to stay safe.

Everyone makes mistakes, but when something goes wrong on a jobsite, the consequences can be extensive. If you made an error during installation, or omitted a crucial part of the process, that could call for big repair or replacement costs after all is said and done. General liability coverage might not cover those types of expenses, but our Contractor’s Errors and Omissions coverage could come to your rescue.
More protection where you need it
Your coverage doesn’t stop there. Depending on the nature of your work, we can customize a policy to suit your risks, assets, team, and projects. From Builder’s Risk and Wrap Up Liability to Equipment or Installation Floater, there are many other industry-specific coverages to protect construction or contracting business protected – your broker will be happy to walk you through all your options.
What you get out of our partnership
As the exclusive commercial insurance partner of CFIB, we’re proud to offer members some choice benefits on top of our standard policy features.

In exchange for simply requesting a quote, you’ll receive one year of complimentary Legal Assist service, which provides unlimited telephone access to legal professionals who can answer your questions on everything from general liability concerns to contract disputes. Once CFIB members insure their business with Northbridge, they’ll get even more protection along with access to all of CFIB’s resources, support, and advocacy.
Cyber and Legal Expense coverage
Small businesses aren’t exempt from cybercrime, but many insurance policies underestimate the digital risk. We provide Cyber Risk coverage to help cover costs related to malware infections, cyberattacks, and even rogue employees who make off with your sensitive business data.

As construction and contracting sectors rely more on digital tools like automated project management systems and centralized databases, more information is vulnerable to cyber criminals. If an employee were to forward sensitive personal information to a phony email address, your employees and your clients could be subject to identity theft. In other cases, financial information may be exploited.

Legal Expense coverage is another great feature in your policy. We’ve partnered with DAS Canada to provide legal counsel and support in a variety of situations, like when a liability claim is brought against your business or a federal audit leaves you with a sizeable penalty. CFIB members are given twice the Legal Expense limit that comes with a typical Northbridge business insurance policy.

Request a quote

Ready to reap the rewards of a CFIB membership? Get started on an insurance quote for your business by filling out the form below.

As a thank-you, we’ll extend our Legal Assist service to you free of charge. For the duration of one year after you submit your quote request, you’ll have unlimited telephone access to general legal advice to discuss any legal matters related to your business.

You will be connected to one of our broker partners acting as a representative of Northbridge Insurance.

Contractors insurance

Contractors, we’ve got you covered

Your policy in action

Request a quote

Ready to reap the rewards of a CFIB membership? Get started on an insurance quote for your business by filling out the form below.

We’re proud to partner with the Canadian Federation of Independent Business!