Contractors Advantage is built for the established contractor with at least three years of experience. It’s for professionals who take pride in their business and take steps to protect it by taking jobs that meet their skills and experience, who do minimal subcontracting, and who maintain and care for the tools of their trade.

Contractors Advantage is designed for contractors involved in:

• Construction of
  
  • Driveways
  • Parking areas
  • Sidewalks and fences
  • Small to medium-size commercial buildings
• Installation of
  
  • Doors
  • Electrical, Heating, and Air Conditioning and Refrigeration
  • Flooring
  • Glass
  • Windows
• Service Like
  
  • Carpentry , Plumbing and Electrical
  • Decorating
  • Drywall and Plastering
  • Masonry, Bricklaying, Stonework, Terrazzo and Tiles

We’ve measured twice, and cut once. Contractors Advantage covers the unique exposures of this industry:

• Tool Floater, Installation Floater
• Contractors Equipment Floater
• Rental Reimbursement on Contractors Equipment
• Building Material Replacement Cost
• Crane and Hoist Operators Liability

Contractors Advantage is not designed for contractors engaged in*:

• Civil construction: airports, runways, bridges, wharves, dams, pipelines, subways, railways or tunnels

* Contact our Account Managers for individualized quotation if your business is involved in civil construction.

Operations

• Alarm installation
• Asbestos and UFFI removal and cleanup
• Commercial roofing
• Demolition, wrecking, blasting
• Dredging
• Drilling
• Fire restoration
• Hazardous goods handling
• Mould and pollution remediation
• Underpinning of buildings
• Waterproofing, fireproofing

Property	Coverage
Replacement Cost on Building and/or Contents	Included
Blanket By-Laws	Included
Blanket Glass	Included
Debris Removal	Included
Valuable Papers and Records	$50,000
Fire Department Service Charges	$50,000
Outdoor Signs	$10,000
Professional Fees	$10,000
Exhibition Floater	$25,000
Transit	$10,000
Newly Acquired Buildings	$500,000
Personal Property of Officers and Employees (excluding employee tools and contractors equipment)	$10,000
Sales Samples	$5,000
Contents at Newly Acquired Locations	$25,000
Courier or Parcel Post	$1,000
Master Key	$10,000
Contents at Un-named Location	$50,000
Fine Arts	$50,000
Installation Floater	$20,000
Tool Floater	$5,000
Rental Reimbursement on Contractors Equipment	$5,000

Crime	Coverage
Employee Dishonesty (Form A)	$10,000
Broad Form Money and Securities	$5,000
Custodian Coverage	$5,000
Money Order and Counterfeit Paper	$5,000
Depositors’ Forgery	$5,000

Liability

• Personal Injury and Advertising Injury
• Employees as Additional Insured
• Occurrence Basis Property Damage
• Broad Form Property Damage
• Blanket Contractual Liability
• Contingent Employers Liability
• Non-Owned Automobile
• Non-Owned Watercraft (under 8 metres)
• Incidental Medical Malpractice
• International Acts for the Protection of Persons and Property
• Products and Completed Operations
• Automatic Coverage on Newly Acquired Locations
• Tenants Legal Liability
• Attached Machinery and Equipment
• Cross Liability
• Medical Payments per Person
• Canadian Currency Clause
• Building Material Replacements cover - Aggregate
• Crane and Hoist Operators’ Liability- Aggregate

Optional Coverage

• Scheduled Contractors Equipment
• Equipment Breakdown
• Contract Bonds
• Earthquake
• Flood
• Sewer Back-Up
• Umbrella Liability
• Wrap-Up Liability
• Commercial Automobile

Request a no-obligation business insurance quote online or from an HS Financial Account Manager at 1-800-411-7979 to find out more.