Whether you’re a general contractor, electrician, or painter, working in the construction industry comes with unique risks. General liability insurance is one of the most critical protections you can have—but many contractors still have questions about it. At TBF Insurance, we’ve made it easier than ever to get covered with instant online quotes, instant online binding, and instant online insurance proposals.
Here’s what you need to know:
What is general liability insurance and why do contractors need it?
General liability insurance protects your business from third-party claims of bodily injury, property damage, and personal injury. For example, if a client trips over your equipment and gets hurt, or you accidentally damage a customer’s property while working on-site, general liability insurance helps cover the costs.
Contractors face these types of risks daily. Having this coverage not only protects your business but also helps you meet licensing requirements and build trust with clients.
Is it mandatory for contractors to carry general liability insurance?
In many states and municipalities, general liability insurance is required to obtain a contractor’s license. Even when it’s not legally required, many clients or general contractors won’t hire you unless you can provide proof of insurance. It’s not just about compliance—it’s about being competitive in today’s market.
How can I get coverage quickly?
TBF Insurance makes the process easy and fast. You can access instant online quotes directly from our website. Once you find the right policy, you can complete instant online binding and receive an instant online insurance proposal. That means no waiting for callbacks or paper documents—everything can be done digitally and securely, whenever it’s convenient for you.
What does a typical policy cover?
A general liability insurance policy typically includes:
- Bodily Injury: Covers medical expenses and legal fees if someone is injured due to your business operations.
- Property Damage: Pays for repair or replacement if you accidentally damage someone else’s property.
- Personal and Advertising Injury: Covers claims like libel, slander, or false advertising.
It’s important to note that general liability doesn’t cover employee injuries (you’d need workers’ comp for that) or damage to your own equipment (which would require inland marine or property insurance).
Can subcontractors be covered under my policy?
Some policies allow you to add subcontractors as additional insureds, but you’ll need to review your policy terms closely. It’s also a good idea to require proof of insurance from any subcontractors you hire to limit your own liability.
How much does it cost?
Costs vary based on your location, type of work, number of employees, and claims history. With TBF Insurance’s instant online quotes, you can see your exact rate in minutes—no guesswork involved.
How can I get started today?
We’ve simplified the insurance buying process for busy contractors. You can get a quote, bind your policy, and download your insurance documents instantly—all online, and all in one place.
👉 For General Liability Insurance Quote: https://tbfinsure.com/general-liability/
