Small Business Insurance for Contractors

No matter the job you're working on, you're exposed to certain risks that can affect your business and reputation. At TD Insurance, we want to help you protect what you have worked so hard to build. From damage, to or loss of your tools and equipment, to the chance that you make a mistake or get into an accident, you'll need customized coverage to protect your business — we've got you.

Speak to a licensed TD Insurance Advisor 1-855-724-2883 

Why You Need Contractors Small Business Insurance

  • Protect your tools

    If a covered event damages your tools, we’ll pay to repair or replace them.

  • Mistakes can happen

    If your client sues due to your product not being delivered as promised.

  • Business Income / Business Interruption

    Keep your income stable if your jobs are put on hold due to a covered event.

  • Shield your vehicle

    Protect the wheels that transport you and your tools to your clients.

TD Insurance Savings Commitment

With TD Insurance for Business, only pay for the coverage you need. And now, you could get up to 15% in discounts on your Commercial Property & Liability policy – speak to a licensed TD Insurance Advisor today1.

  • Bundle and save

    Save 5% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 5% for being an existing TD customer.1

Contractors Insurance is recommended for:


  1. Painters

  2. Electricians

  3. Plumbers

  4. HVAC Installers

  1. Fence Repairers

  2. Carpenters

  3. Masons

Let’s get you started with a quote

Coverage Options for Contractors


It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.

Claim Scenarios for Independent Contractors

Potential Claim:

While out driving to a job site, you are in a collision with another vehicle causing damage to your vehicle.

Potential Outcome:

Collision coverage helps pay to repair your vehicle if it is damaged in an accident where you are at-fault or if you are hit by an unidentified vehicle (hit and run). If the vehicle is found to be unrepairable, the Actual Cash Value of the vehicle would be determined and paid.

Potential Claim:

You leave the job site for the day and return the next morning to find your tools are missing from the site.

Potential Outcome:

Your policy may respond by covering the replacement cost of the tools that are missing subject to policy limits.

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

  • Call us by Phone

    Licensed TD Insurance Advisors are ready to answer your questions and help you get started. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

Have a question? Find answers here