From electricians to carpenters and painters we’ve got you covered with customized insurance solutions for every aspect of your business in Newfoundland and Labrador and Nova Scotia.
Partnerships With Over 15 leading Canadian Insurance Providers
Customers love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our customers with choices to provide the best coverage at the best rate. Some of the insurance companies we search for our customers include:
What’s Included in Contractor Insurance?
When you’re running a contracting business, the job site comes with risks. Accidents happen, tools get stolen, and sometimes clients require proof of insurance before work can even begin.
Contractor insurance helps protect your business from these unexpected setbacks so you can focus on getting the job done. Whether you’re a general contractor managing multiple projects or a specialized trade working on job sites across Newfoundland and Nova Scotia, the right coverage helps keep your business moving.
Commercial General Liability (CGL)
Commercial General Liability insurance protects your business if your work causes injury to someone or damages their property. For example, if a client trips over materials at a job site or a renovation accidentally damages a customer’s property, CGL coverage can help pay for legal costs, repairs, and settlements. Many project owners, builders, and municipalities require contractors to carry liability insurance before work begins.
Commercial Property Insurance
If you own a shop, office, or storage facility for materials and equipment, commercial property insurance helps protect those assets. Coverage can help pay for repairs or replacement if your property is damaged by events like fire, vandalism, or theft, helping your business recover and get back to work faster.
Loss of Income Coverage
If a covered event temporarily shuts down your operations, such as a fire at your shop or damage to your workspace, loss of income coverage can help replace the revenue your business would normally earn. This helps cover ongoing expenses like rent, payroll, and operating costs while you recover.
Tools & Equipment Coverage
Tools and equipment coverage protects the equipment you rely on every day, whether it’s stored in your shop, in your truck, or on a job site. If tools are stolen, damaged, or lost, this coverage can help cover the cost of replacement so you can keep projects moving.
Cyber Liability Coverage
Contractors today rely on digital tools for invoicing, project files, and client communication. Cyber liability coverage helps protect your business if a cyberattack or data breach exposes sensitive information. Coverage may help with recovery costs, legal expenses, and notification requirements after a cyber incident.
Need a Certificate of Insurance Today?
A Certificate of Insurance confirms that your business has active coverage and shows the policy limits required for a project, job site, or contract. Munn helps you get covered and issues your COI quickly, so you’re ready when an opportunity comes up.
Contact Marcel at [email protected] Or toll free at 1-855-726-8627
Real people.
Our customers love to save.
I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.
They actually listened, did all the legwork, and came back with cheaper quotes on over five of my policies … I’d definitely recommend reaching out to them at MUNN. It was absolutely worth it for me.
I thought it would be difficult to switch from my current insurer – but my new policy was easy to set up! Plus I saved on my car and home insurance.
Frequently Asked Questions about Contractor & Builders Risk Insurance
The cost of contractor insurance depends on several factors, including:
- The type of work you perform
- The size of your business (number of employees)
- Your annual revenue
- Coverage limits and deductibles
- Your claims history
Smaller contractors and independent tradespeople can often secure affordable coverage that still meets project requirements and protects their business.
Any independent contractor, tradesperson, or construction business should consider contractor insurance.
Many clients and project owners require proof of insurance before work can commence. Even smaller projects, maintaining coverage protects your business against potentially costly claims and liabilities.
Contractor insurance can help cover common job-site risks, including:
- Property damage caused during work
- Injuries to third parties on a job site
- Damage to your business property
- Theft or damage of tools and equipment
- Loss of Income
- Cyber incidents
- Tools and Equipment
- Commercial General Liability
- Commercial Property
- Commercial Auto Insurance
- Builders Risk
- Pollution Liability
Coverage can be tailored based on the type of contracting work you perform.
Contractor insurance is a type of business insurance designed for contractors and tradespeople. It helps protect your business if an accident, injury, property damage, or other unexpected event occurs while you’re working.
Policies can include liability coverage, protection for tools and equipment, property insurance, and other coverages that help keep your business operating after a loss.
Related Resources
Protecting Your Tools: What Contractors in Atlantic Canada Need to Know About Tool Floater Coverage
For contractors across Atlantic Canada, tools aren’t just equipment — [...]
Your Biggest Risk Might Not Be on the Job Site – Cyber Insurance for Contractors in Atlantic Canada
When most contractors think about risk, they think about job [...]
Your Biggest Risk Might Not Be on the Job Site – Cyber Insurance for Contractors in Atlantic Canada
When most contractors think about risk, they think about job [...]
20 Essential Terms for Small to Medium-Sized Business Owners
Navigating the world of commercial insurance can be overwhelming, but [...]
