General Liability Insurnance 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.

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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






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.

What Does General Liability Insurance for Contractors Cover?

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.

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Frequently Asked Questions

General liability insurance usually does not cover injuries to your employees. For that, you'll need worker's compensation insurance.

General liability insurance typically does not cover faulty workmanship. For coverage for this type of risk, contractors may need to consider additional coverage options, such as professional liability insurance.

The cost of general liability insurance for contractors varies depending on factors such as the size of your business, the type of work you do, and the coverage limits you choose. It's best to get quotes from multiple insurance providers to find the best rate.

If you need to file a claim, you should contact us as soon as possible. Our professional team will guide you through the claims process and help you understand what documentation is required.