Why contractors trust us

As a contractor, you have plenty of responsibilities to juggle every day and unique risks you need to safeguard your business against. Our contractors’ insurance solutions are designed to protect your business against those every day risks. We have customized policy options for home builders, electricians, trade contractors, mechanical contractors, and more.

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We’re industry experts

Our expertise among home builders, electrical contractors, mechanical contractors and other skilled trades in the contracting industry is defined by our relationships with the leading industry associations including the Canadian Home Builders’ Association (CHBA), Canadian Electrical Contractors Association (CECA), Canadian Fence Industry Association (CFIA), Electrical Association of Manitoba (EAM), Mechanical Contractors Association of Ontario (MCAO) and more.

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Insurance designed for contractors

For over 100 years, we’ve been creating customized insurance solutions for contractors. So, we understand the daily risks you’re exposed to and are ready to help in any way we can!

Whether you’re a home builder, trade contractor, electrician or mechanical contractor, our insurance specialists have the knowledge, tools and experience to design customized solutions to protect your contracting business.

At Federated Insurance, we provide:

  • Customized insurance solutions designed for contractors
  • Dedicated advisors who work with you directly
  • Expanded coverage options
  • Flexible payment and deductible options
  • Quick, no-hassle renewals

Common claims for contractors

Contractors are responsible for a lot, and one of those responsibilities is being aware of the risks and possible losses they could face. While it’s important to be careful all year round, Federated Insurance’s internal claims data found that half of the claims received were during the busy months of May to August. The top cause for a loss was fire. Others included vehicle accidents, heavy rainfall, and faulty work.*

Risk management tips for contractors

Tip #1:
Tens of millions of dollars’ worth of equipment and tools are stolen each year in Canada. Having a current inventory and detailed records of all equipment and tools used on project sites is an instrumental element to recovery and management.
Tip #2:
All excavation, trenching or underground construction activities have the potential to damage utilities. The contractor, working with the owners of the underground installations, must identify the utilities, locate them and determine the potential hazards and method of controlling them.
Tip #3:
Protective gloves come in many different types designed to deal with various hazards. Chemical protective gloves provide protection against exposure to a variety of chemicals. There are also gloves designed to protect against abrasion, cuts and punctures as well as extreme heat and cold.

Contractors’ insurance coverages

In addition to providing you with coverage for liability, property, automobile and employee benefits coverage, our toolbox is filled with customized options to ensure your contracting business is properly protected:

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We offer solutions for: