Liability insurance for contractors
Common types of liability insurance contractors should be aware of.
Liability insurance is any insurance policy that protects a contractor from the risk that they may be sued and held legally liable for something such as injuries, accidents or property damage suffered on the job.
Commercial general liability protects your business if there is an injury to third parties or damage to third party property. It also covers damage or injury caused by completed operations and it can be extended to cover rip and tear in order to repair faulty workmanship.
Non-owned auto liability is important if your employees are using their own vehicles for business and it is secondary to the employees own coverage.
Tenants legal liability protects you from costs associated with damage that occurs to premises you rent or lease.
Wrap up liability includes coverage for all trades working on a project. It ensures that no trades work on a project uninsured.
Pollution liability covers the costs to cleanup and restore property damaged by sudden and accidental escape of pollutants.
Umbrella liability increases auto liability and commercial general liability and is a way to add coverage to any/all other liability policies listed under the umbrella.
An experienced broker can help you decide what you need.
The best way to make sure you know you have the right insurance coverage is to talk to an experienced insurance broker when you're requesting a quote. Someone who takes the time to know you and understand your situation – maybe even review your contract or service agreement. Establishing a strong relationship with your broker will ensure you have the coverage you need, you understand what you have and you know who to contact if you ever do need to make a claim.
If you need help or have more questions about contractor liability insurance, we’d love to hear from you.
We have dealt with CJ Campbell for over 50 years and their quality of service has been consistently excellent. We feel very secure knowing Keisha McCarthy is looking out for us. DO NOT HESITATE to use this company for all your insurance needs!
I am very pleased having just worked with Julie David of CJ Campbell to restructure our house and car insurance under one company’s umbrella policy which saved us money and simplified our policies. Thank you Julie.
Keisha is so good at her job, I cannot stress this enough! She is patient, kind and really helped me out finding the best deal for insurance when I moved to Alberta. It's the little things in life and the fact that I don't have to stress out about insurance was an immense help. I cannot thank her enough!
Excellent service by Boun Chou.
I have been with CJ Campbell for almost 30 years. In those 30 years I have received exceptional service! Boun has been supporting me with competitive rates for home, auto and motorcycle insurance, always with my best interests at heart. I continue to refer my friends and family to Boun and CJ Campbell because they work hard to find the best rates and her client service is second to none.
Anna Marie is excellent to deal with. She is very thorough and always goes the extra mile to make sure your needs are being taken care of. She has helped me through a couple insurance difficulties!! She is also very down to earth and humorous. I would recommend CJ Campbell to everyone. An excellent local business!!
...What sets CJ Campbell apart from other insurance companies is their personalized approach to each client. Boun takes the time to understand your specific insurance needs and works tirelessly to find the best coverage options at the most competitive rates. I have always felt like a valued customer with CJ Campbell, and I appreciate the high level of customer service they provide...
I have been dealing with this company since 2010. Keisha McCarthy has always been so professional, helpful, and timely with all of my insurance needs. I can't recommend CJ Campbell and Keisha enough!
Keisha has been great to deal with, always communicating with me in a timely manner and reminding me when I have missed something that needs attention. I wouldn't hesitate to recommend Keisha to friends and family.
Fantastic service every time! Everyone is super helpful and knowledgeable and will get you the best deal on insurance.
Boun was incredibly helpful, and took care of all aspects for me including canceling my previous policy. I'd recommend her to anybody.
We have worked with Boun at CJ Campbell for years. She has always been extremely helpful in assisting us, as well as helped us in a timely manner. I would 100% recommend her!
I've been with this company for 10yrs and never had a problem. The staff are very helpful, especially Boun.
I’ve had the pleasure of now dealing with Boun a few times for my insurance needs and she is an absolute delight to talk to. I would definitely recommend dealing with CJ Campbell as I know of others who also use them and love the service they receive.
They're very helpful.
If you want to get the best service from them, you need to talk to Boun Chou at CJ Campbell, got the best rates across 12 different companies for my house and my car and the service was excellent.
We moved to Alberta almost 10 years ago from Ontario . We were recommended CJ Campbell for our insurance needs. This was the best decision. Jen and Anna Marie have always helped with any questions or concerns and have always treated us like we were their only clients. Never waited for answers always had time to call back asap with answers. Highly recommend switching to CJ Campbell. You wont be disappointed.
My husband and myself have been with company for at least 25 years. They never disappoint always best rates.
Highly recommended and always delivers the best service for home and auto insurance. Able to navigate for best value, and listens to our needs.
Jennifer Mohler is absolutely outstanding. I was given Jen's contact information from a friend after moving to Calgary several months ago. Her professionalism and efficiency on finding me the best quote for auto is what led me to contact her again when I needed home insurance. She is very pleasant to work with as she is patient with explaining policies and has an eye for detail. Looking forward to dealing with Jen in the future!
I have been a client of C.J Campbell Insurance for over 16 years. I would like to express my gratitude to Joel White. Joel is absolutely amazing to work with. His professionalism, understanding and willingness to go above and beyond for clients is very commendable! When ever I have a question or if there is an issue he’s instantly working on how to resolve or answer my question. I highly recommend him for all your insurance needs.
My wife and I moved our insurance to CJ Campbell after Royal Bank started demanding annual payments from customers. We have been very happy for the past few years. Customer service is exceptional and staff work to help you get a fair deal. I would highly recommend CJ Campbell Insurance.