Contractor Insurance in Ontario

Secure Your Business with Personalized Coverage

An Insurance Plan Built for Your Business

Are you a contractor who’s frustrated or worried about your current insurance provider’s limitations? Do you need specific coverage that they don’t offer? Have you recently acquired an asset that isn’t covered under your existing plan? These uncertainties can leave you feeling vulnerable and stressed, as you work hard to grow and protect your business. The insurance professionals at Jeffery & Spence are here to help!

We are committed to providing personalized insurance solutions that cater to your specific requirements. Our knowledgeable and friendly team will work closely with you to identify your unique needs and craft a tailored policy that fills the gaps left by your current provider. We will take the time to understand your business, ensuring that you can focus on what matters most — growing and nurturing your enterprise. With our team on your side, you can breathe easy knowing that your contractor insurance is comprehensive, flexible, and designed to evolve with your business.

Partners with Over 15 of the Most Reputable Insurance Companies in Canada

Munich RE | Jeffery & Spence
Echelon General Insurance Company | Jeffery & Spence
Gore Mutual | Jeffery & Spence

“So over the moon happy with these guys. I was a first-timer today, extremely nervous about taking another step toward “adulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Whereas other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million, Dave.”

— J. Indoe

“The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally, there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call.”

— C. Pavao

“Jason was great to work with – very prompt, communicative, and helpful. I managed to find the best deal for my auto insurance thanks to his help. I had initially tried calling another broker but they didn’t pick up so I called this company and am glad I did. Highly recommend!”

— E. Nip

Protect Yourself and Your Team Through Every Project

At Jeffery & Spence, our range of insurance providers allow us to offer contractor insurance for a wide range of businesses in Ontario. Whether you are a handyman, a large-scale home builder, or a premiere construction company, our team has the experience and expertise to help.

Our brokers will take the time to meet with you to discuss the various aspects of your contractor business, so we can understand what risks you’re facing and provide you with the right commercial insurance coverage for your specific needs. We’ll work to find you cost-effective insurance plans so you can receive the highest value at the lowest cost.

“Do I Need Contractor Insurance?”

Whether you work in the residential or commercial field, if you are a contractor working in a trade, business specific insurance is important. Contractors Insurance is required for any business performing contract-based work.

Our team offers contractor’s insurance to a wide range of industries and trades. If you work in one of the following professions, you need to have contractors insurance to protect yourself and your team. 

*Note: Please note that we are not able to offer contractor’s insurance for snow removal contractors at this time.*

  • Masons
  • Painters
  • Plumbers
  • Roofers
  • Tilers
  • Window Cleaners
  • Window & Door Installers
  • And more

What Is Covered By Contractor Insurance?

Contractor insurance will protect your business from the risks associated with your specific trade and provide coverage for your business assets. This type of insurance is typically purchased in addition to your standard commercial general liability policy.

As a contractor, a single claim from a client could be enough to put you out of business. In fact, many clients will ask to see that you are properly insured before working with you. It is essential to have proper coverage as a contractor in today’s market.

A number of coverage options for contractor insurance are available, including:

  • Commercial Property
  • Contents
  • Equipment
  • Legal Expenses
  • Theft
  • Tools
  • And more

Protect Yourself From Problems Before They Happen

Some projects don’t always go according to plan and accidents can occur at any time. Insure your business with proper coverage so you’re never caught unprepared.

Problem: Accidental property damage at a client’s worksite.

Solution: Contractors insurance with general liability coverage protects against third-party property damage claims, ensuring that any damages incurred during the course of work are covered financially.

Problem: Damage to a contractor’s tools or equipment.

Solution: Contractors insurance with coverage for tools and equipment ensures that any losses due to theft, vandalism, or damage are compensated, allowing for quick replacement or repair.

Problem: Legal disputes with clients over project delays or unsatisfactory work.

Solution: Professional liability coverage within contractor’s insurance can help cover legal defense costs and potential damages related to claims of negligence, errors, or omissions.

Additional Contractor Insurance Coverage

The Jeffery & Spence team are true professionals who are dedicated to making sure you have an awesome experience. Working with their team has been great and I would highly recommend them to anyone! 10/10 - keep up the great work Jeffery & Spence.read more
Ryan Vielma
Ryan Vielma
21:03 15 Feb 19
My family and I have been insured through Jeffery and Spence for 14 years, and we will all always be loyal clients to this wonderful brokerage.read more
Ashlean Richardson
Ashlean Richardson
17:50 27 Nov 18
Have been with them for ages and wouldn't hesitate to recommend them to anyone. I have also gladly referred friends to them and they have taken good care of them as well!read more
Jason Shaw
Jason Shaw
20:38 02 Jan 18
شركة تامين لا باس
Ali SIDO
Ali SIDO
03:57 11 Feb 19
unbelievable service, literally saved a client of mine from a major catastrophe, highly recommend. Kyla was amazing
Andra Arnold
Andra Arnold
17:19 18 Apr 19
Excellent Customer service and communications, staff here makes me feel like part of the J&F family, highly recommend!
Rain Zhang
Rain Zhang
14:21 29 May 19
Excellent Customer service and communications, staff here makes me feel like part of the Jeffery&Spence family, highly recommend!read more
Rain Zhang
Rain Zhang
14:39 29 May 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Ashlean made shopping for insurance so easy and stress free! From start to finish she was courteous and professional, listened to our needs and communicated with us every step of the way, all while finding us the best ratesread more
Chloe McKnight
Chloe McKnight
22:42 22 Jul 19
The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage and at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call....even if your not from Guelph!read more
Corey Pavao
Corey Pavao
13:59 23 Oct 19
So over the moon happy with these guys. Specifically Dave. I was a first timer today, extremely nervous about taking another step toward “audulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Where as other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million Dave.read more
Jaymee Indoe
Jaymee Indoe
18:55 21 Nov 19
Ashlean is so great to work with and she makes insurance easily accessible. I love all of the work they do in the community too. Check them out!!!read more
Heather Smart
Heather Smart
16:41 01 Dec 19
Awesome service! Jeffrey helped me find a solution for my insurance ASAP after I had such a poor experience with my previous insurer.read more
Jennifer A-M
Jennifer A-M
04:25 04 Dec 19
Expedient, professional and tailored to my needs. Highly recommend.
Annie Wong
Annie Wong
15:38 10 Dec 19
Met with Dave Jutzi and he was an absolute pleasure to work with! He created a plan to MY needs and MY budget! No pressure on me whatsoever and he really looked out for my best interest. If you're looking for extremely affordable auto and home insurance, DEFINITELY go see Dave!read more
Simon McGhee
Simon McGhee
16:38 21 Jan 20
My only regret was not calling them sooner. Ashlean Richardson went above and beyond for my company. I felt like they took me and my time very seriously and I appreciated that. Would highly recommend to my friends and family.read more
Kevin Wilkins
Kevin Wilkins
13:40 14 Apr 20
Ashlean was great to work with she was very helpful and prompt with all her responses; she was able to make a stressful situation go by very smoothlyread more
Haily Rice
Haily Rice
16:09 29 May 20
Been with Jeffery & Spence nearly 50 years and they have looked after all my insurance needs in a very professional manner. Hope to be with them another 50 years but at 83 y.o. that's not likely to happen.read more
Mario Bonifacio
Mario Bonifacio
13:18 19 Jul 21
Excellent company to work with! Geoff is professional, patient, and responded immediately to my needs.
Debbie Bianchi
Debbie Bianchi
12:26 21 Aug 21
Great service, quick response and best rates. Excellent job Jason DiReto 👏.
Asaad Yousiph
Asaad Yousiph
13:23 06 Jul 21
I wish I had found this broker earlier than I did. They make dealing with insurance such an easy and seamless experience. We are fortunate to work with Geoff; after every interaction with him, we always talk about how lucky we are to have him take care of our insurance needs. 5 stars all the way!read more
Luis Ribeiro
Luis Ribeiro
20:43 08 Oct 20
Great company to work with! We had just moved to the country and had no insurance history in Canada. Jason helped us figure out the system and find the insurance we needed at a reasonable price. Everyone at the brokerage was kind, responsive, and great to talk to.read more
Alana Lund
Alana Lund
12:37 22 Aug 22
Steve has been absolutely awesome to deal with! His communication skills are top notch and made getting insurance super easy. So glad I went with J&S!read more
Noah Olfert
Noah Olfert
20:01 30 Aug 22
If you need an insurance company , I highly recommend Jeffrey and Spence! Great service and prices
Valerie Schuett
Valerie Schuett
20:14 11 Aug 22
Dawn is my hero, she has gone above and beyond any of my expectations, and made every insurance renewal a piece of cake! Highly recommend!!!read more
Ty S
Ty S
12:58 18 Aug 22
I had a very good experience taking out and cancelling policies with them. Jason came up with the best rates I could find in a no-nonsense manner, and Dina promptly helped me with the processing including the early cancellations & refund when I left the country earlier than expected.read more
K. Kevin Wang
K. Kevin Wang
11:17 10 Feb 22

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Our Years of Expertise

Since 1927, the team at Jeffery & Spence Insurance Brokers have provided quality insurance services to a variety of businesses in Guelph and across Ontario. Our professional brokers will provide you with expert advice and guidance, and will locate the right business insurance coverage for your business.

Contractors Insurance FAQs

Should I get insurance as an independent contractor?

Yes. It is mandatory for independent contractors in most fields to have insurance. As an independent contractor, you may be held financially responsible for any accidents, property damage, or injuries that occur during your work. Insurance provides essential financial protection, and peace of mind, ensuring that your business can continue to operate in the event of unforeseen circumstances.

What is general liability insurance for independent contractors in Canada?

General liability insurance for independent contractors in Canada is a type of insurance coverage that protects against claims related to third-party property damage, bodily injury, and personal injury. This coverage is essential for independent contractors, as it safeguards their businesses from the financial consequences of legal claims, lawsuits, and potential damages.

What is contractor insurance?

Contractor insurance is a specialized form of business insurance designed to protect contractors, subcontractors, and independent tradespeople from the risks associated with their work. This type of insurance typically includes coverage for general liability, property damage, workers’ compensation, and other exposures that contractors may face during their operations. Contractor insurance is essential for safeguarding a contractor’s business, assets, and reputation.

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