General Liability Insurance

General liability insurance protects contractors from third-party claims involving bodily injury, property damage, and legal costs.

It covers job site accidents, property damage, bodily injury, and legal defense costs related to claims.

It’s not always legally required, but most clients and contracts require proof of coverage before starting work.

Most contractors carry at least $1M per occurrence and $2M aggregate, but requirements vary by project and client.

No, employee injuries are covered by workers’ compensation insurance, not general liability.

It may provide limited coverage, but subcontractors typically need their own policy.

Costs vary based on trade, revenue, and risk, but policies are generally affordable and customizable.

A COI is proof of insurance showing your coverage details, often required by clients before starting work.

Yes, most policies include completed operations coverage for claims after a project is finished.

General contractors, subcontractors, builders, and trades like electricians and plumbers should carry this coverage.