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Contractors & Vendors Insurance

Contractors and Vendors occupy other people's property, so they need mobile coverage and insurance certificates.

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What is Contractors Vendors Insurance good for?

If you work at your client's property or sell goods at a temporary location, you have a special risk profile that needs specialized business insurance.

Vendor insurance provides coverage for claims and lawsuits that result from your business’s participation as a vendor at an event. This could include claims made against your business based on food-borne illnesses, injuries, or property damage. In the event that an applicable claim is made against your business based on injuries or damages that occurred during an event you were a vendor at, then your insurance would address the costs of defence and claims up to your policy’s limits.

Who is Contractors Vendors Insurance for?

Contractors & Vendors insurance provides coverage to contractors and vendors for construction errors, otherwise referred to as completed operations. Vendors are typically selling products, so they have specific product liability needs. Contractors professional liability insurance, or CPL insurance, is purchased by contractors that provide design and building services and includes coverage of mistakes made by the contractor as well as errors made by third-parties hired by the contractor, such as engineers, architects, and other vendors.

Why would I need Contractors Vendors Insurance?

As a concessionaire, exhibitor or vendor, specialty vendor insurance can help protect you against lawsuits. Your business will be protected against bodily injury and property damage claims that may arise from operations, premises, products, completed operations, advertising or personal injuries.

Products and completed operations coverage includes all bodily injury and property damage to a third party that occurs after your product or work leaves your possession.

What does Contractors Vendors Insurance cover?

The activities covered under the policy may be included in a list found in the policy contract or may be specific to the contractor that has purchased the policy. Many policies will also include a list of activities that are excluded from coverage.

Contractors can purchase a standing professional liability insurance policy that covers all work that the contractor performs, but can also buy a policy that covers specific projects with finite time frames.

What does Contractors Vendors Insurance not cover?

Contractors professional liability insurance and builders risk coverage both protect similar sets of conditions, types of loss, and entities involved in a building project. However, contractors professional liability insurance is usually taken out by a contractor, while builders risk coverage is generally taken out by the owner of the project.

In addition, contractors professional liability insurance can be taken out on building improvement projects, but may not be available for a new project with no existing structure. At the same time, builders risk coverage can protect projects that don’t have an existing structure.

What does Contractors Vendors cost?

Contractors professional liability insurance provides coverage that protects both contractors and third-party hires, like architects, designers, and engineers, in case of errors and mistakes made on the job, as well as other losses during a building project. Prices range from $600 per year and increases depending on your income.

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Why buy your Contractors Vendors insurance from OnePlus?


We’ve made it easier than ever before to complete the purchase and get coverage. How easy? In just simple clicks you can have your policy!

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We know the cost of insurance is a big factor for many, and that's why we keep our rates low and affordable for all. We work harder to earn your business.

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At OnePlus, our specialists are not only committed to give you the best experience digitally, but we are also available 24/7 to help with any concerns!



Getting a policy that does not properly protect you can cause a significant financial loss, it is our job to make sure we serve you the right product based on your need.

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Suggested coverages for Contractors Vendors Insurance?

Here are some real world examples of claims:
  • Short-term policies for use away from any owned or long-term leased premises
  • A choice for the level and length of coverage
  • A separate policy to cover loss to property, stock or inventory

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