As a contractor, protecting your business from the unexpected isn’t just smart—it’s essential. General liability insurance plays a vital role in safeguarding your company from costly claims and lawsuits. At TBF Insurance, we make the process simple with instant online quotes, instant online binding, and a fast, easy instant online insurance proposal.
Let’s break down what general liability insurance for contractors really means—and why you need it.
Q: What is general liability insurance for contractors?
A: General liability insurance is coverage that protects your contracting business from third-party claims involving bodily injury, property damage, and personal or advertising injury. Whether you’re a general contractor, electrician, plumber, or handyman, this type of policy shields you from risks that can arise on the job site or after your work is completed.
Q: Why is general liability insurance important for contractors?
A: Without it, a single accident could result in a lawsuit that puts your entire business at risk. Many clients require proof of insurance before hiring contractors, and having the proper coverage can give you a competitive edge. It also builds credibility and shows clients that you take safety and professionalism seriously.
Q: What does general liability insurance typically cover?
A: It usually covers:
- Third-party bodily injury (e.g., a client trips over your equipment)
- Property damage caused by your work
- Legal fees and settlements
- Personal and advertising injury (like defamation or copyright infringement)
Q: How fast can I get coverage through TBF Insurance?
A: In just minutes! With TBF Insurance, you can receive instant online quotes, complete an instant online insurance proposal, and even bind your policy with instant online binding. No waiting, no paperwork, and no hassle.
Q: Do I need general liability insurance if I’m a subcontractor or solo contractor?
A: Absolutely. Even if you’re working independently or as a subcontractor, you’re still exposed to liability risks. In many cases, the general contractor or property owner will require you to carry your own insurance policy.
Q: How much does general liability insurance cost for contractors?
A: Costs vary depending on your trade, location, and coverage limits. But thanks to our streamlined process, you can get your customized instant online quote quickly and easily, so you’ll know exactly what you’re paying for—no surprises.
Q: How do I get started?
A: It’s easy! You can get a General Liability Insurance Quote right now through our website:
