Contractor liability Insurance | Summit Cover

April 15, 2023

Contractor liability insurance is a type of insurance that protects contractors from damages or accidents resulting from their job. As a contractor, you may be held liable for any accidents or property damage resulting from your work, and you may be personally responsible for the associated costs if you do not have sufficient insurance coverage.

Contractor liability insurance usually includes the following coverage:

Body damage:

If someone gets hurt due to your job, Insurance for contractors' liability can pay for the resulting hospital costs, lost wages, and other damages.

Property damage:

Insurance for contractors' liability can help with the expense of replacement or repairs if your work causes damage to someone else's property. 

Legal costs:

Insurance for contractors' liability can pay for your legal fees and court costs if you are sued due to your job.

Coverage for items and finished operations:

This coverage offers a defense against lawsuits stemming from the sale of your goods or the completion of your job.

Costs of a legal defense:

In case of a claim or litigation covered by your contractor liability insurance coverage, these expenses will also be paid.

Medical payments coverage:

This coverage pays for medical expenses incurred on your employment site, regardless of responsibility.

Contractors who work in high-risk industries, like construction, where accidents and injuries are more likely to happen, might benefit significantly from having Insurance for contractors' liability. Additionally, it might offer contractors who work in lower-risk industries comfort and protection against unforeseen costs. Read more: Liability Insurance Vancouver

It's crucial to pick a policy that offers sufficient protection for your unique needs when choosing contractor liability insurance. The size and scope of your company, the kinds of projects you work on, and the degree of risk associated with your job are all things you should consider.


In conclusion, contractors who want to safeguard themselves from unforeseen expenditures related to damages or injuries resulting from their work must invest in contractor liability insurance. Summit Cover offers Contractor liability Insurance. For contractors who work in high-risk industries, it can offer coverage for bodily injury, property damage, and legal expenses. It's crucial to consider your unique demands when choosing a policy and pick one that provides enough protection for your company.

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