Contractor insurance in Canada typically includes several key types of coverage to protect businesses and individuals in the construction industry. The most common coverage options are general liability insurance, which protects against third-party bodily injury or property damage claims; commercial property insurance, covering damage to equipment and tools; and professional liability insurance, which safeguards contractors from claims related to mistakes, negligence, or professional errors. Workers’ compensation insurance is mandatory in most provinces, covering employees’ medical costs and lost wages due to job-related injuries. Additionally, contractor vehicle insurance provides coverage for company vehicles, while equipment breakdown insurance can protect against the failure of essential machinery. Environmental and pollution liability coverage is also available for contractors working in hazardous environments. Contractors can often customize their insurance package based on their specific needs, including coverage for subcontractors and specific projects, ensuring comprehensive protection for their business operations.