Whether you’re a general contractor, electrician, plumber, or carpenter, protecting your business from unexpected liabilities is critical. General liability insurance is one of the most important coverages you can have — but many contractors still have questions about what it does, how it works, and how quickly they can get covered.
Let’s break it down with some clear questions and answers.
What Is General Liability Insurance and Why Do Contractors Need It?
General liability insurance protects your contracting business against claims of bodily injury, property damage, and personal injury caused to others. For example, if a client trips over your tools at a job site and gets injured, or if you accidentally damage a client’s property while working, this coverage helps pay for legal costs, medical bills, or repair expenses.
Contractors often work in dynamic and potentially hazardous environments, so having this protection in place is essential to avoid financial ruin from a single lawsuit or claim.
How Much Coverage Does a Contractor Typically Need?
The coverage limits depend on the type of work you do and the size of your contracts. Many small contractors opt for $1 million per occurrence and $2 million aggregate limits. However, larger projects or contracts with specific client requirements might necessitate higher limits.
TBF Insurance can help you determine the right level of protection for your unique business needs through an instant online insurance proposal.
Can I Get an Instant Online Quote for General Liability Insurance?
Yes, you can! At TBF Insurance, contractors can receive instant online quotes tailored to their specific trade and risk exposure. Our system quickly analyzes your information to generate accurate pricing — without the need to wait for a phone call or email.
Can I Bind Coverage Instantly Online Too?
Absolutely. Once you receive your quote, you can proceed with instant online binding, meaning your coverage can go into effect immediately. No more paperwork delays or back-and-forth with agents — just fast, convenient protection when you need it.
Is It Easy to Get an Instant Online Insurance Proposal from TBF Insurance?
Yes, the process is designed to be quick and user-friendly. You’ll answer a few simple questions about your business, and you’ll get an instant online insurance proposal that you can review and accept on the spot.
What Happens After I Bind My Policy Online?
Once your coverage is bound, you’ll receive your policy documents via email. You’ll also get access to certificates of insurance (COIs) that you can send to clients or general contractors right away — helping you stay compliant and get on job sites faster.
Why Choose TBF Insurance for Your Contractor General Liability Needs?
We specialize in helping contractors get the coverage they need — fast. With our instant online tools, you don’t have to waste time on lengthy applications or wait days for a callback. Instead, you get:
- Instant online quotes
- Instant online binding
- Instant online insurance proposals
- Easy access to policy documents and COIs
