As a contractor, safeguarding your business is just as important as delivering top-notch work to your clients. One of the most crucial forms of protection is General Liability Insurance. At TBF Insurance, we understand your unique risks and have made it easier than ever to get covered with instant online quotes, instant online binding, and even an instant online insurance proposal.
Let’s answer some of the most common questions contractors have about this essential coverage.
Q: What is General Liability Insurance, and why do contractors need it?
A: General Liability Insurance protects your business from financial loss resulting from claims of bodily injury, property damage, personal injury, and advertising injury caused by your services, products, or operations. For contractors, this means you’re protected if a client slips and falls on your job site, or if you accidentally damage a client’s property during a project.
Q: Is General Liability Insurance required for contractors?
A: While not always legally required, many clients, general contractors, and licensing boards mandate that you carry General Liability coverage. It’s also a sign of professionalism and responsibility—helping you win more bids and contracts.
Q: What does a General Liability policy typically cover?
A: Here’s what’s usually included:
- Third-party bodily injury – If someone is injured on your worksite.
- Third-party property damage – If you accidentally damage a client’s property.
- Legal defense and judgments – Covers legal fees if you’re sued for a covered event.
- Completed operations – Protects against issues that arise after your work is done.
Q: How much does General Liability Insurance cost for contractors?
A: The cost can vary based on several factors, including:
- The type of work you perform
- Your business size and revenue
- Number of employees
- Claims history
At TBF Insurance, we offer instant online quotes so you can find out your rate in minutes—no waiting, no pressure.
Q: How can I get covered quickly?
A: We make the process fast and seamless:
- Get an instant online quote tailored to your specific contracting business.
- Review your instant online insurance proposal to ensure it meets your needs.
- Bind your policy instantly online, and get a certificate of insurance within minutes.
No agents, no delays—just quick and reliable protection so you can focus on your work.
Q: Can I manage my policy online?
A: Absolutely. TBF Insurance provides full digital access. From downloading certificates to updating information, you can manage it all from your dashboard, 24/7.
