Contractors & Trades Insurance
General Liability Insurance
for Contractors & Trades
Every job site presents the risk of property damage or bodily injury to third parties. General liability is the cornerstone of contractor insurance — it covers damage you cause to a client's property, injuries to visitors or passersby, and the legal costs to defend those claims.
Industry-Specific Insight
Why Contractors & Trades Businesses Need General Liability Insurance
Every job site presents the risk of property damage or bodily injury to third parties. General liability is the cornerstone of contractor insurance — it covers damage you cause to a client's property, injuries to visitors or passersby, and the legal costs to defend those claims.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for contractors & trades operations.
FAQs
Common Questions from Contractors & Trades Businesses
How much general liability coverage do contractors need?
Most residential contracts require $1M per occurrence. Commercial projects often require $2M or more. We help you determine the right limit based on the contracts you take on.
Does general liability cover subcontractors I hire?
Your policy covers your own operations. Subcontractors should carry their own GL policy and name you as an additional insured — we can help you set up proper subcontractor requirements.
How much general liability coverage do I need?
Common options range from $500,000 to $2 million per occurrence, with higher aggregate limits available. Requirements vary by industry and client contracts. A licensed agent can discuss what's appropriate for your business size and risk.
Does general liability cover my employees?
No — employee injuries are covered by workers compensation, not general liability. GL focuses on third-party claims from customers, vendors, and the public.
Complete Coverage
Other Coverages Contractors & Trades Businesses Commonly Need
A complete protection plan for contractors & trades operations typically includes several complementary coverages.
Contractors & Trades · General Liability
Get General Liability Coverage for Your Contractors & Trades Business
Our licensed agents specialize in contractors & trades insurance. We compare options from 96+ carriers to find the right general liability coverage at a competitive price.