Contractors General Liability
Built for contractors and tradespeople — coverage for job-site injuries, property damage, and completed work claims.
What's Covered
Coverage for Contractors
Premises & Operations
Covers bodily injury or property damage that occurs at a job site during your contracting operations.
Client Property Damage
Pays for accidental damage you cause to a client's property while performing work — one of the most common contractor claims.
Completed Operations
Covers claims that arise after a job is finished — such as a structure failure or injury caused by work you completed.
Independent Contractor Liability
Extends coverage to subcontractors working under you, protecting you from their on-site mistakes.
Tools & Equipment (Optional)
Optional add-on that covers your tools and equipment against theft, damage, or loss on job sites.
Legal Defense
Covers attorney fees and court costs if a client or third party sues over a job-related incident.
FAQ
Common Questions
What trades need contractors general liability?
Any contractor that works on client property needs it — general contractors, roofers, plumbers, electricians, HVAC technicians, landscapers, painters, and more. Most clients and municipalities require it before issuing permits or awarding contracts.
How is contractors GL different from standard GL?
Contractors GL is tailored for the specific risks of construction and trade work — including completed operations coverage, which a standard business GL may not fully address. It's written with contractors' job-site exposures in mind.
Do I need a separate policy for each job?
No. A single contractors GL policy covers all your ongoing operations for the policy period. You may need to add specific projects as additional insured if a client or GC requires it.
Get your certificate of insurance today
Most contractors policies can be bound the same day. Don't lose a contract over missing insurance.