Contractor Insurance.

Are you licensed for a specialized craft or trade? As a contractor you’ve spent countless hours learning and perfecting your skills. Spent thousand of dollars to have the best tools and equipment. Don’t risk it all by not purchasing the proper insurance coverages.

Just like you wouldn’t cut corners for your customers, HWC Insurance won’t cut corners on your insurance coverages. Our team of experienced insurance brokers will provide the policy you need to protect all you’ve worked for, including your independence.


Did you know?

  • Rented tools or equipment may not be automatically covered.
  • Many policies have coverage limitations for tools left in a vehicle or trailer.
  • Purchasing the highest liability limit you can is extremely important. Higher liability limits are not as expensive as you might think.
  • HWC Insurance does not change additional fees to provide Certificates of insurance for your business partners.

Liability Coverage

A claim of negligence can drastically harm any business. You should always consider higher liability limits to protect your business.

Tools & Equipment

Some contractor insurance policies include Tool & Equipment floaters, this is dependent on the company. Other companies this floater would have to be added separately.


Help protect yourself, your employees, your materials and buildings.

What does your coverage come with?

There are many types of coverage to consider for Contractors depending on the type of services you provide. Common coverages for most contractors include;

Commercial General Liability

Tools & Equipment

Rented Equipment

Installation Floater

Building with Contents

Equipment Breakdown

Surety Bonds

Builder’s Risk

Errors and Omissions


Get a Contractor Insurance Quote

Contact us today for all your contractor insurance needs.


I need a certificate of insurance and my broker is asking for an agreement. Should I provide the agreement to the broker?

Yes. The agreement will describe the work that is to be done. By providing this, your broker will be able to confirm if your policy will cover this work. If not, your broker can advise you accordingly. As well, the agreement will specify what insurance coverages are needed in order for you to fulfill your end of the contract.

What is Tenants Legal Liability?

It is a coverage under the liability section of your commercial general liability policy that provides coverage for loss or damage caused to the rented property.

Why do I need to keep inventory of my tools and equipment?

We recommend keeping an up to date inventory list of your tools and equipment so that if a loss should occur, you'll be able to provide your claims adjuster with the exact information of what was lost.

I’m a Hairstylist, does my Commercial General Liability policy cover me as a professional?

No! You will need professional liability coverage to respond if a loss should occur while working in your profession.

Do I need cyber coverage for my business?

Yes! Any business who stores client data of any sort should have cyber coverage in place