General Liability for Contractors

General Liability Insurance for Contractors

General liability for contractors is one of the most
important coverages your business can carry. It protects
your contracting business from third-party claims of
property damage or bodily injury on the job. If you damage a client’s property on the
job or someone is injured at your work site, GL coverage
pays for the claim and your legal defense.

Most general contractors, property owners, and project
managers require subcontractors to carry general liability
insurance before starting any work. Without it you lose
access to jobs and contracts.

General Liability for Contractors — What It Covers

Bodily injury — covers medical costs if a third party
is injured at your job site or as a result of your work.

Property damage — covers repair or replacement costs
if you accidentally damage a client’s property while
working.

Personal and advertising injury — covers claims of
libel, slander, or copyright infringement related
to your business.

Products and completed operations — covers claims
that arise after a job is completed due to your work.

Legal defense costs — pays for attorneys and court
costs if you are sued regardless of fault.

Who Needs General Liability Insurance

General liability is essential for roofing contractors,
HVAC contractors, electrical contractors, plumbing
contractors, general contractors, landscapers, and
trucking companies.

If you work as a subcontractor, the general contractor
hiring you will require proof of GL coverage before
you can start. We issue certificates of insurance
same day after binding your policy.

Certificates of Insurance for Contractors

A certificate of insurance is a document that proves
you have active general liability coverage. Most job
sites and general contractors require a COI before
work begins. We issue COIs immediately after your
policy is bound — same day in most cases.

E&S Markets for Hard-to-Place Contractors

Some contractors struggle to find GL coverage in the
standard market due to their industry, claims history,
or class code. Roofing contractors in particular often
face challenges getting affordable GL.

As an agency with access to Excess and Surplus Lines
markets, we place GL coverage for contractors other
agents cannot help.

Frequently Asked Questions

How much general liability do I need as a contractor?
Most contracts require a minimum of $1 million per
occurrence and $2 million aggregate. Some larger
projects require higher limits.

How fast can I get a GL certificate?
Same day in most cases. We bind the policy and issue
the certificate immediately.

Can I get GL if I have prior claims?
Yes. We have access to E&S markets that can accommodate
contractors with prior claims or difficult class codes.

Get a General Liability Quote for Your Contracting Business

Fill out the form above for a fast general liability
quote. We serve roofing, HVAC, electrical, plumbing,
and general contractors across Texas, Tennessee,
Georgia, and California. Most quotes within 24 hours.