General Liability

General Liability Insurance

General Liability Insurance is a foundational policy for contractors and small businesses. It covers common risks like bodily injury, property damage, and personal injury that might occur on a job site or as part of your daily operations. Whether you’re a handyman, electrician, or general contractor, this policy acts as your frontline defense.

Imagine a client trips over your equipment or you accidentally damage someone’s property while on a job. Without coverage, you're on the hook for legal fees, medical bills, or repair costs. General Liability Insurance gives you the confidence to take on new projects without risking your livelihood.

It’s also often required to bid on larger jobs or obtain licenses in many states. With General Liability in place, you’re not just protected — you’re credible, ready, and built for growth.

Many clients and general contractors require proof of General Liability coverage before even considering your bid. This gives you a professional edge and allows you to take on higher-value projects. For example, a subcontractor working under a general contractor for a home renovation might need to provide a certificate of insurance (COI) showing liability coverage to comply with project requirements.

This insurance also covers legal defense costs, which can be substantial even if you’re not at fault. If a third party sues you for damages or injury they claim was caused by your work, General Liability Insurance helps cover the attorney fees, court costs, and settlement payouts — avoiding the potential financial ruin of handling a case out of pocket.

Contractors often work in unpredictable environments — homes, construction sites, public spaces — where hazards are more likely. Loose wires, open ladders, and heavy machinery increase the risk of injury or damage. This policy ensures your operations can continue without major disruption if something goes wrong.

For small business owners, general liability also builds credibility. When prospects see that you're properly insured, they perceive you as professional, reliable, and serious about your business. It's a signal of trustworthiness that sets you apart in a competitive market.

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