Find the best contractor liability insurance rates

KBD is a commercial insurance broker in Canada who provides contractor liability Insurance to different trade businesses located within the provinces of Quebec & Ontario.

Comparing rates from Canada’s leading contractor insurance companies
We provide the following trade-specific liability insurance:
Plumber liability insurance
Roofer liability insurance
HVAC liability insurance
Electrician liability insurance
Welder liability insurance
General contractor liability insurance
Painter liability insurance
Woodworker liability insurance

Speak with the same expert every time you call

Your own dedicated representative.

If you are looking for peace of mind and to save time – you need someone who knows how to handle your affairs. KBD provides each customer with the same dedicated commercial insurance expert to handle all your insurance needs.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get a sub-contractor liability insurance quote today

Contractor liability insurance FAQs

What is a tradesperson?

Generally speaking, a tradesperson is a sub-contractor who specializes in a particular trade. When you’re building a home, for example, you require professionally installed wiring. If your general contractor is not qualified for that particular job, they’ll hire the specialist in that particular trade, an electrician.

Do I need a valid RBQ license in order to purchase a contractor liability insurance policy if I work in Quebec?

If you work in the province of Quebec, yes. Without an RBQ license, no insurance company in Canada can provide you with the right coverage. Not only could an insurance claim be denied, you may also receive supplementary fines from the Régie du Bâtiment du Québec.

How do I get an insurance quote for contractor liability?

The easiest way is to call a broker like KBD, who’ll ask you a few questions particular to your trade.

Does KBD provide online insurance quotes for tradespeople?

Yes, we do! We partner with Intact Insurance to give online commercial insurance quotes to all types of contractors. It takes about 5 minutes, and then we follow up with you to answer any additional questions you may have.

How do I lower my business insurance cost if I'm a tradesperson?

This is a question we get asked a lot! Here are a few tips:

  • Avoid making small claims.
  • Increase your deductible.
  • Educate employees on risk management.
  • Keep your tools in secure areas and make sure they’re locked away.

Does KBD provide liability insurance for plumbers in Canada?

Yes! Business insurance for plumbers in Montreal can be difficult to find, so it’s best to speak with a broker as opposed to a direct insurance company.

Does KBD provide liability insurance for electricians in Canada?

Yes. We place the majority of our electrician businesses with Lloyd’s Insurance.

Is a “tradesperson” the same as a “contractor”?

Yes, the two terms are used interchangeably. When we say tradesperson, we are referring to a trade specialist, like an electrician or plumber.

How much does business liability insurance cost for a tradesperson?

As with all other business insurance products, your annual liability insurance cost depends on several factors. Here they are in order of importance:

  • Claims history – The fewer claims you have on file, the lower your contractor liability insurance cost will be.
  • Annual revenue – The higher your annual revenue, the higher your insurance cost; more revenue means more customers are receiving your service, which increases the chance of causing damage to another person or someone else’s property.
  • Experience in the field – Contractors with decades of experience and no liability insurance claims will pay less annually.
  • Your trade – Some trades pay more for liability insurance than others because the job is more dangerous. An example would be a welder (higher cost on average) vs a painter (lower cost on average).

How long does it take to complete a tradesperson liability insurance quote?

Depending on your trade specialty, it can take anywhere from 5 to 25 minutes.

What's covered in a tradesperson business Insurance policy?

It’s possible to tailor an insurance policy to fit your business needs and budget. Some contractors only require commercial general liability insurance while others require much more. Here are the most common insurance protections we offer:

  • Liability Insurance – Covers you during your business activities if you cause damage to someone else’s stuff.
  • Contents Insurance – Covers the belongings inside your office from fire, theft, vandalism and water.
  • Tool Floater Insurance – Covers your tools from theft and mysterious disappearance wherever you go.
  • Installation Floater – Covers the materials and labour during the course of a project.
  • Commercial Automobile – This insurance works the exact same way as your regular Car Insurance policy. You can buy “one-way” or “two-way” insurance.
  • RBQ Bond – In order to work in your trade, you need to have the proper licensing as well as a bond issued by any tradesperson business insurance company in Montreal or Canada.

Does KBD provide business liability insurance for HVAC companies in Canada?

Yes! KBD has a great business insurance program with Lloyd’s of London for HVAC (heating, ventilation and air conditioning) contractors.

Does KBD provide liability insurance for painters?

Absolutely! Painters don’t pay very much in annual premiums in comparison to the other trades.

Does KBD provide liability insurance for roofers in Canada?

Yes we do, with a minimum deductible of $10,000.

What is a tradesperson?

Generally speaking, a tradesperson is a sub-contractor who specializes in a particular trade. When you’re building a home, for example, you require professionally installed wiring. If your general contractor is not qualified for that particular job, they’ll hire the specialist in that particular trade, an electrician.

Is a “tradesperson” the same as a “contractor”?

Yes, the two terms are used interchangeably. When we say tradesperson, we are referring to a trade specialist, like an electrician or plumber.

Do I need a valid RBQ license in order to purchase a contractor liability insurance policy if I work in Quebec?

If you work in the province of Quebec, yes. Without an RBQ license, no insurance company in Canada can provide you with the right coverage. Not only could an insurance claim be denied, you may also receive supplementary fines from the Régie du Bâtiment du Québec.

How much does business liability insurance cost for a tradesperson?

As with all other business insurance products, your annual liability insurance cost depends on several factors. Here they are in order of importance:

  • Claims history – The fewer claims you have on file, the lower your contractor liability insurance cost will be.
  • Annual revenue – The higher your annual revenue, the higher your insurance cost; more revenue means more customers are receiving your service, which increases the chance of causing damage to another person or someone else’s property.
  • Experience in the field – Contractors with decades of experience and no liability insurance claims will pay less annually.
  • Your trade – Some trades pay more for liability insurance than others because the job is more dangerous. An example would be a welder (higher cost on average) vs a painter (lower cost on average).

How do I get an insurance quote for contractor liability?

The easiest way is to call a broker like KBD, who’ll ask you a few questions particular to your trade.

How long does it take to complete a tradesperson liability insurance quote?

Depending on your trade specialty, it can take anywhere from 5 to 25 minutes.

Does KBD provide online insurance quotes for tradespeople?

Yes, we do! We partner with Intact Insurance to give online commercial insurance quotes to all types of contractors. It takes about 5 minutes, and then we follow up with you to answer any additional questions you may have.

What's covered in a tradesperson business Insurance policy?

It’s possible to tailor an insurance policy to fit your business needs and budget. Some contractors only require commercial general liability insurance while others require much more. Here are the most common insurance protections we offer:

  • Liability Insurance – Covers you during your business activities if you cause damage to someone else’s stuff.
  • Contents Insurance – Covers the belongings inside your office from fire, theft, vandalism and water.
  • Tool Floater Insurance – Covers your tools from theft and mysterious disappearance wherever you go.
  • Installation Floater – Covers the materials and labour during the course of a project.
  • Commercial Automobile – This insurance works the exact same way as your regular Car Insurance policy. You can buy “one-way” or “two-way” insurance.
  • RBQ Bond – In order to work in your trade, you need to have the proper licensing as well as a bond issued by any tradesperson business insurance company in Montreal or Canada.

How do I lower my business insurance cost if I'm a tradesperson?

This is a question we get asked a lot! Here are a few tips:

  • Avoid making small claims.
  • Increase your deductible.
  • Educate employees on risk management.
  • Keep your tools in secure areas and make sure they’re locked away.

Does KBD provide business liability insurance for HVAC companies in Canada?

Yes! KBD has a great business insurance program with Lloyd’s of London for HVAC (heating, ventilation and air conditioning) contractors.

Does KBD provide liability insurance for plumbers in Canada?

Yes! Business insurance for plumbers in Montreal can be difficult to find, so it’s best to speak with a broker as opposed to a direct insurance company.

Does KBD provide liability insurance for painters?

Absolutely! Painters don’t pay very much in annual premiums in comparison to the other trades.

Does KBD provide liability insurance for electricians in Canada?

Yes. We place the majority of our electrician businesses with Lloyd’s Insurance.

Does KBD provide liability insurance for roofers in Canada?

Yes we do, with a minimum deductible of $10,000.