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General Liability Insurance
for Contractors
What is General Liability Insurance?
General liability insurance for contractors is a foundational coverage that protects businesses against a variety of potential liabilities. It typically covers claims for bodily injury, property damage, and personal injury that may arise from your operations. This insurance is essential for contractors as it provides financial protection and helps cover legal costs in the event of a lawsuit or liability claim.
Who Needs General Liability Insurance?
Contractors and subcontractors should carry general liability insurance to protect against potential liabilities and risks inherent in their work.
- Construction Workers
- HVAC
- Electricians
- Plumbers
- Landscapers
- Painters
- General Contractors
Why Do Contractors Need General Liability Insurance?
Protection From Lawsuits
General liability insurance protects contractors from financial loss due to lawsuits. It covers legal fees, settlements, and judgments if a contractor is sued for property damage or bodily injury.
Client Requirements
Many clients require contractors to have general liability insurance before they can start work. It demonstrates professionalism and a commitment to protecting clients' interests.
Marketing Liability Protection
It can protect contractors against claims of libel, slander, or copyright infringement arising from their advertising or marketing efforts.
Peace of Mind
Having general liability insurance gives contractors peace of mind, knowing they are protected against unforeseen circumstances that could jeopardize their business.
Get A Quote and Protect Yourselves And Your Employees Today!
Bodily Injury
General liability insurance covers medical expenses and legal fees if someone is injured on your business premises or as a result of your work.
Property Damage
It covers the cost of repairing or replacing property that you or your employees damage during the course of your work.
Damage to Premises Rented
This coverage protects against damage to a property you are renting for business purposes.
Products-Completed Operations
It covers claims related to products you've sold or work you've completed that later causes injury or damage.
Medical Payments
General liability insurance can cover medical expenses if someone is injured on your premises, regardless of fault.