SMI Contractor Scene

What's Yoursurance
for your contractor business?

Having the right insurance in place can keep your projects moving forward, and you doing what you do best.

Switching is easier than you think, and the right insurance is really affordable.

The contractor insurance coverage basics.

How do I decide on what to protect with my contractors business?

At Stewart Morrison Insurance, our contractor insurance experts will review your needs and recommend the right coverage to protect your assets:

We provide customized policy options for home builders, electricians, trade contractors, mechanical contractors and more - insurance built for your business.

Yoursurance: What you should protect for your contractor business


Coverage for loss or damage to your buildings if you own it as a result a claim such as fire, wind, water, theft and other unexpected incidences.

Equipment & Tools

Coverage for loss or damage to tools and equipment from theft or other damage that may occur at your work site, in storage or while in transit.

Commercial Liability

Coverage to protect your business against claims made by others for bodily injury and property damage, products, services and advertising that arise from your business operations.

Installation Floater

Coverage for property or property of others, while in transit or during installation.

Builders Risk

Coverage for property of owners, or builders of projects, during course of construction, renovations, or repair.

Business Vehicles

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


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

Loss of Income/Business Interruption

Coverage for replacing lost income as a result of interruption of your regular business operations due to a loss, or claim.

Surety Bonds

Third party contract designed to guarantee a contractors contractual obligations are fulfilled.

  1. Bid Bond
  2. Performance Bond
  3. Payment Bond

Contractors Errors and Omissions

A specific form of liability coverage to protect against claims for unintentional work errors, products or impaired property.