General liability insurance for contractors

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General liability insurance for contractors

General liability insurance for contractors is a crucial component of insurance for contractors, as it provides protection against damages that may arise from accidents or other incidents that occur during the course of their work. Whether you are a general contractor, subcontractor, or independent contractor, having this type of insurance is essential to protect yourself and your business.

General liability insurance for contractors typically covers bodily injury, property damage, and personal injury that may result from your work. This can include accidents that occur on a job site, damage to property or equipment, or injuries that occur as a result of your work.

When looking for general liability insurance for contractors, it is important to consider the type of work you do and the risks associated with that work. You may need to consider additional coverage, such as professional liability insurance, if you provide services that require specialized skills or expertise.

You should also consider the amount of coverage you need, as well as the deductible and premium associated with the policy. You may be able to save money by bundling your general liability insurance with other types of insurance, such as workers’ compensation or property insurance.

In addition to protecting yourself and your business from financial losses, having general liability insurance can also help to establish trust and credibility with clients. Many clients will require that you have this type of insurance before they will hire you to work on their projects.

Overall, general liability insurance is an essential part of protecting your contracting business from potential financial losses due to accidents, injuries, or other incidents that may occur during the course of your work. By taking the time to carefully consider your insurance needs and shop around for the best coverage, you can ensure that your business is well-protected and can continue to grow and succeed.

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What is general liability insurance?

First of all, we must emphasize that many call general liability insurance by various names such as business liability insurance, commercial general liability insurance, insurance business liability… But it is one and the same thing.

In short, it is business liability insurance. They protect your company if you cause property damage or bodily injury to someone. For example, your company injures a person, then you have to pay for that person’s treatment and possible legal claims. Which easily comes to $1000.00. Without this insurance, you pay for it out of your own pocket, which can easily destroy your company and put you in debt.

General liability insurance coverage

Protects your business from claims.
Property damage
Physical injury
Defense costs
Personal and advertising injury

What Does General Liability Insurance Not Cover?

General liability insurance will not cover you if you or your employees have caused intentional damage or committed an illegal act.


Injuries or illnesses of your employees. For this you will need Workers’ Compensation Insurance.

Claims that cost more than your policy covers. For this you need a commercial umbrella insurance policy


Demage caused by advice or intellectual service. For this you need professional indemnity insurance


Damage caused by your company vehicle or a rented vehicle or construction machine. On your way to work, at work… You’ll need a commercial auto insurance policy for that.


Damages to own business property. For this you will need a business property insurance policy. 

General liability insurance cost

Many factors affect the price of general liability insurance. Request a quote so we can find the best price for you, on average small businesses pay about $1,000 a year for general liability coverage. Take in consideration the other policies that should be included in your contractor insurance

general liability insurance for contractors

General liability insurance for contractors quote

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States.