General Liability Insurance for Contractors: Cost & Quotes From $11/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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As a contractor, you're constantly juggling multiple projects at once. With managing your team to handling equipment and materials, insurance coverage is the last thing on your mind. However, liability insurance for contractors is essential for protecting you and your business from any unexpected damages or accidents on the job site.

You have to know that a lot of things can go wrong when you’re working as a general contractor or an independent contractor. Debris might fall on someone during a construction project. Freak accidents might hurt the client while they’re inspecting your work. 

In this post, we'll dive into everything you need to know about general liability insurance for contractors, including coverage limits, state requirements, endorsements, and even some of the best companies offering affordable contractor general liability insurance rates.

What is General Liability Insurance?

General liability insurance for contractors is a type of insurance that provides coverage for accidents, injuries, and property damage that occur during a project. 

It protects your business from financial loss due to legal claims or lawsuits filed against you by third parties General liability insurance typically covers the following:

  • Bodily injury,

  • Property damage

  • Personal and advertising injury

  • Medical payments

  • Products and completed operations

How Does General Liability Insurance Help Contractors?

Construction general liability insurance safeguards businesses from financial losses in accidents or property damage. This policy covers the cost of claims for bodily injuries or property damage that third parties due to accidents at the job-site. 

For instance, if a contractor accidentally damages a client's property while working on their project, construction liability insurance will cover the cost of repairs or replacement. 

It can help pay medical bills and legal fees if someone gets injured on your premises. Moreover, this insurance policy also offers coverage against claims made by third parties, such as clients, vendors, or partners who may suffer financial loss due to your business operations.

All in all, general liability insurance for contractors shields from unforeseen risks and potentially costly lawsuits. The policy grants a shield against potential liabilities that could otherwise cripple your business financially.

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