Contractors' Insurance Package
You’re expected to be the reliable one, the handyperson, the tradesperson, Mr. or Ms. Fix-it. But who fixes things for you when a situation needs solving? Don’t DIY your coverage when you’ve got the jack of all policies sitting right here.
The benefit of insuring your gadgets and gear with us
Protects your resources
Our packages are designed to cover you in the event of loss, including stolen tools and coontractors' equipment.
Protects you, the handyperson
This package also offers general commercial liability, including bodily injury, and property damage.
Protects your products
Whether you’re on the jobsite or not, this coverage protects your assets away from your premises. Even if you don’t have control over them, you're covered up until you get paid for the job.
Coverage Details
Basic Contractors' Package Insurance Includes:
- Contractor's Tool and Equipment Floater
- Commercial General Liability
- Optional Coverages Available
Deluxe Contractors' Package Insurance Includes:
- Business Contents
- Contractor's Tool and Equipment Floater
- Installation Floater
- Contractors’ Equipment
- Crime and Theft Coverage
- Business Interruption Coverage
- Commercial General Liability
- Optional Coverages Available
Examples of Contractors' Package Insurance Classifications:
- Janitorial
- Building contractors
- Electricians
- Plumbing, heating, and HVAC technicians
- Contractors
- Drywallers
- Painters
- Alarm installers (residential)
- Masonry contractors
- Excavation
- Pressure Washing
- Subcontractors
- Landscapers
- Carpentry
- Floor covering installers
- Appliance repair
- Siding, doors and windows
Optional Coverage
- Glass Coverage
Reduce your deductible for glass breakage or schedule coverage for accidental glass breakage. - Sewer Backup
Sewer Backup coverage takes care of losses stemming from the backup of toilets, drains, sumps, and other outflow fixtures. - CyberOne
- Data Compromise
- Equipment Breakdown
Additional Info
While you’re here protecting yourself as a Contractor, insure your commercial vehicle with Sandbox.
If you feel like you don’t quite fit in the Contractor box, we offer Customized Commercial Insurance, too! See all of our Commercial Insurance Products here.
Contractors' Insurance FAQs
Should independent contractors have contractors’ package insurance in Saskatchewan?
While your jobsites may vary, we recommend that any and all contractors should protect themselves with a contractors’ package. The real question is—Basic or Deluxe Contractors’ Package?
How do I know if I need a Basic or Deluxe Contractors’ Package?
While this may be dependent on your scale of business or equipment and tools used, the Deluxe Contractors’ Package has greater coverages when considering theft and higher limits for installation floater compared to the Basic Contractors’ Package.
What is the difference between tools and equipment insurance in a contractors’ package?
Contractors’ equipment is defined as mobile construction equipment. Some examples of these are backhoes and other heavy equipment, smaller machines such as forklifts, generators and compressors, and scaffolding. This includes accessories and spare parts of these machines. Items that don’t fit this description will likely be considered tools. Check with your insurance broker to be sure!
Helpful Contractors' Insurance Resources
Coverage Details
Helps you notify affected individuals following a breach of personal information
- Protects you against damage to electronic data and computer systems from a cyber crime and malware
- Helps you comply with data breach laws and requirements
- Offers services to affected individuals
- Pays for defense and liability costs for actions brought by affected individuals
Cyber coverage is an optional coverage that can be added to our business insurance products.
Insures you against:
- Data compromises
- Cyber attacks
Optional Coverage
Cyber insurance is an optional coverage that can be added to our business insurance products, like our Business Package or a Custom Commercial Policy! See all of our Commercial Insurance Products here.
Cyber Insurance FAQs
Do you need cyber security insurance for your small business in Saskatchewan?
While Cyber Security Insurance is not mandated by law to have for any business, the hackers out there are increasing their quality and quantity of attacks each day. By having Cyber Insurance to protect your data and information, it can help give you that ultimate peace of mind.
Should you add cyber coverage to your commercial insurance policy?
If your business’ operations involve employees using company-provided devices, open or shared networks, or private data being stored digitally, do not underestimate the importance of having Cyber Insurance added to your Commercial Insurance policy.
Can I make my own custom commercial insurance package that includes cyber risk?
CyberOne and Data Compromise are optional coverages that can be added on to any Customized Commercial Insurance policy to protect you and your business against cyber risks and attacks.
