Contractor General Liability Insurance

Contractor General Liability Insurance protects contractors from financial losses due to accidents, property damage, or injuries that may occur during their work. This coverage is essential for contractors of all sizes and trades. Here’s an overview:

What is Contractor General Liability Insurance?

This insurance provides protection for contractors against a variety of risks encountered on the job. Coverage includes:

• Bodily Injury: Covers medical costs if someone is injured due to your work.
• Property Damage: Pays for repairs or replacement if you accidentally damage a client’s property.
• Legal Defense: Covers legal fees and settlements if you face a lawsuit related to your work.

Benefits of Contractor General Liability Insurance

This insurance provides crucial protections that benefit contractors in multiple ways:

• Financial Protection: Helps cover costs that would otherwise come out of pocket.
• Client Assurance: Shows clients that you are a responsible and protected contractor.
• Legal Coverage: Assists with legal costs in the event of a lawsuit.

Coverage Provided

Contractor General Liability Insurance typically includes coverage for:

• Third-Party Bodily Injury: Pays for medical costs if someone is hurt on a job site.
• Third-Party Property Damage: Covers repair or replacement if your work causes damage to a client's property.
• Completed Operations: Protects against claims of injury or damage after a project is completed.
• Advertising Injury: Covers legal costs if your advertising causes reputational harm to another party.

Types of Contractor General Liability Policies

Contractor General Liability Insurance policies can be customized to meet different needs. Common types include:

• Basic Coverage: Covers essential liability risks like bodily injury and property damage.
• Tools and Equipment Coverage: Protects contractors' tools and equipment while on the job site.
• Errors and Omissions (E&O): Protects contractors from claims of professional errors or mistakes in the work.
• Umbrella Liability: Provides additional coverage limits above your primary policy.
• Pollution Liability: Covers claims related to environmental damage or pollution caused by your work.

Questions Needed to Get a Quote

Why Choose Us for Contractor General Liability Insurance?

• Comprehensive Coverage: We offer tailored coverage options to meet the specific needs of contractors.
• Affordable Pricing: Access competitive rates without compromising on protection.
• Expert Advice: Our agents provide guidance to ensure you have the right coverage for your business.