General Contractors Insurance
General Liability Insurance
for General Contractors
General contractors bear ultimate responsibility for everything that happens on a job site. Your general liability policy covers bodily injury and property damage claims from third parties — including subcontractor work performed under your contract — and is required on virtually every commercial construction contract.
Industry-Specific Insight
Why General Contractors Businesses Need General Liability Insurance
General contractors bear ultimate responsibility for everything that happens on a job site. Your general liability policy covers bodily injury and property damage claims from third parties — including subcontractor work performed under your contract — and is required on virtually every commercial construction contract.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for general contractors operations.
FAQs
Common Questions from General Contractors Businesses
Am I liable for injuries caused by my subcontractors?
Potentially yes. If a subcontractor's work causes injury or damage and they lack adequate coverage, claims can flow up to you as the GC. Requiring certificates of insurance from all subs is essential.
What liability limits do commercial GCs typically need?
Commercial construction contracts routinely require $2M–$5M per occurrence. Public jobs and larger developers may require umbrella policies on top of primary GL coverage.
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 General Contractors Businesses Commonly Need
A complete protection plan for general contractors operations typically includes several complementary coverages.
General Contractors · General Liability
Get General Liability Coverage for Your General Contractors Business
Our licensed agents specialize in general contractors insurance. We compare options from 96+ carriers to find the right general liability coverage at a competitive price.