{"id":8653,"date":"2020-06-22T08:17:00","date_gmt":"2020-06-22T08:17:00","guid":{"rendered":"https:\/\/301webdemo.com\/oegema\/?p=8653"},"modified":"2026-02-06T05:07:33","modified_gmt":"2026-02-06T05:07:33","slug":"do-i-need-contractors-insurance","status":"publish","type":"post","link":"https:\/\/www.ona.ca\/blog\/do-i-need-contractors-insurance\/","title":{"rendered":"Do I Need Contractors\u2019 Insurance?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8653\" class=\"elementor elementor-8653\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260ad659 e-flex e-con-boxed e-con e-parent\" data-id=\"260ad659\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df196c8 elementor-widget elementor-widget-text-editor\" data-id=\"df196c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"excerpt\">If you are an independent contractor, you may be wondering if you need insurance, and if so \u2013 what kind and how much? The short answer is that if you are an independent general contractor providing a service in Ontario, you need contractors\u2019 insurance. This also applies to subcontractors and freelance contractors. The most common types of contractors who require contractors insurance are:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f8b537 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8f8b537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Plumbing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Construction<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Landscaping and snow removal<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Roofing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Painting<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Carpentry and electrical work<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">HVAC and air duct cleaning<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">General cleaning<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Telecommunications<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab5221 elementor-widget elementor-widget-text-editor\" data-id=\"7ab5221\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">Contractors insurance is not one set kind of insurance; it can refer to multiple different kinds. These are the three most common types of coverage you will need as a contractor:\u00a0<a href=\"https:\/\/www.ona.ca\/blog\/living-in-rural-canada-why-you-need-homeowners-liability-insurance\/\">General liability insurance<\/a>\u00a0provides coverage if you are held responsible for injuries or damage to a third party. It covers things like medical bills, repair costs, and legal costs if you are sued.\u00a0Commercial property insurance\u00a0protects your assets in case of fire, theft, or vandalism. It also protects your business locations and contents \u2013 and can be particularly valuable if you have expensive tools or equipment. Insurance protects you and your business \u2013 and gives you peace of mind. At Oegema Nicholson, we want to help you understand why you need contractors\u2019 insurance and how we can help you figure out what kinds of insurance you will need.<\/p><h2 class=\"title\">Customers Expect It<\/h2><p>If someone is hiring you to make major changes to their home or business, they will want to know if you are insured and how much coverage you have. There are several reasons that a potential customer will want to make sure you have insurance:<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aa9ca5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8aa9ca5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">They know they are protected if anything goes wrong while you are building, fixing, or modifying their home or business.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">They also know they are protected if anything goes wrong after you finish the job.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">They know that you are a responsible business owner who has taken the right steps to comply with the law.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">They know that by having insurance, both you and they can have peace of mind that everyone is protected.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22188ea elementor-widget elementor-widget-text-editor\" data-id=\"22188ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><p class=\"excerpt\">All of these are excellent reasons to make sure you are properly insured. A potential customer is much less likely to hire you if you are not insured.<\/p><h2 class=\"title\">It Protects You from Legal Risks<\/h2><p class=\"excerpt\">If you are a contractor, you can be sued for any number of things, from damaging a client\u2019s property to causing bodily harm. You can even be sued if a competitor thinks you\u2019ve said something in an ad that damaged their reputation. Working by yourself or having only a small number of employees will not protect you from having a lawsuit launched against you if a client feels you have damaged them or their property. Commercial general liability insurance will provide funds in several different situations:<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd9271f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fd9271f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">When you have to pay for a judgement or settlement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Paying for property damage or medical bills<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Paying for legal bills<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14c028b elementor-widget elementor-widget-text-editor\" data-id=\"14c028b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><h2 class=\"title\">Purchasing Contractors\u2019 Insurance<\/h2><p class=\"excerpt\">We hope you\u2019ve enjoyed learning about contractors\u2019 insurance. We\u2019ve talked about the following:<\/p><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f246ba elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9f246ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What professions need contractors insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What exactly contractors insurance means<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The main reason you must have contractors\u2019 insurance is that it\u2019s required by law, it inspires consumer confidence, and it helps protect you in case of a lawsuit or other legal issues.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64cd603 elementor-widget elementor-widget-text-editor\" data-id=\"64cd603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\"><article class=\"content blog col-md-8\"><article class=\"blog_posts listing\"><div class=\"cnt-wrapper\">We want to be sure that you are clear on what kind of insurance you need; and how you and your business can be protected, no matter what kind of situation you encounter. To learn more about\u00a0<a href=\"https:\/\/www.ona.ca\/contractors-insurance\/\">contractors\u2019 insurance<\/a>\u00a0and how to get it, call Oegema Nicholson at 613-519-0230 or\u00a0<a href=\"https:\/\/www.ona.ca\/contact-us\/\">contact us here<\/a>.<\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside><\/div><\/article><\/article><aside class=\"sidebar col-md-4\"><section class=\"widget-odd widget-last widget-first widget-1 tab-box\"><\/section><\/aside>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you are an independent contractor, you may be wondering if you need insurance, and if so \u2013 what kind and how much?<\/p>\n","protected":false},"author":4,"featured_media":8655,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-8653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-advice"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/8653","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/comments?post=8653"}],"version-history":[{"count":11,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/8653\/revisions"}],"predecessor-version":[{"id":14334,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/8653\/revisions\/14334"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media\/8655"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=8653"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/categories?post=8653"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/tags?post=8653"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}