Any business needs general liability insurance. Contractors, subcontractors, and independent tradesmen need this type of coverage, not only to protect their business, but often as a requirement for the job. Trades that need contractors general liability insurance include construction, carpenters, plumbers, electricians, painters, and masons.
Commercial general liability (CGL) insurance protects a business from financial loss due to liability for personal injury, property damage, or advertising injury caused by the services, operations, or employees of the business. It typically covers the costs of legal defense and damages, if you are found liable, up to policy limits. It can provide protection from:
Contractors general liability insurance provides the same basic types of coverage as standard commercial liability insurance. The difference is that contractors typically face a higher risk. This type of policy covers property damage and third-party injury. It can help protect your business in case a visitor is injured at your job site or you are held responsible for property damage that occurred during a job. It also covers advertising injuries. As a contractor, you need contractors insurance for protection against:
In addition to contractors general liability insurance, to be fully protected, you may need:
Our knowledgeable agent can advise you on the types of coverage you need and help you find it at the best available rates.