As a contractor, you work hard to build your business—literally and figuratively. Whether you’re framing houses, pouring concrete, or wiring a new commercial space, risks are always part of the job. That’s where general liability insurance comes in.
We’ve broken down the most common questions contractors have about this essential coverage, so you can stay protected and focused on the work.
Q: What is General Liability Insurance for Contractors?
A: General liability insurance protects your contracting business from third-party claims of bodily injury, property damage, and personal injury. For example, if a client trips over your tools and gets hurt, or you accidentally damage a customer’s property, this policy helps cover legal and medical costs.
Q: Is General Liability Insurance Required for Contractors?
A: In most states, yes—especially if you’re licensed or working on commercial jobs. Even when it’s not legally required, clients and general contractors often demand proof of coverage before allowing you on the job site.
Q: What Does It Cover Exactly?
A: Typical general liability insurance for contractors includes:
- Third-party bodily injury
- Property damage
- Legal defense costs
- Completed operations
- Personal and advertising injury
It doesn’t cover employee injuries (you’d need workers’ comp for that) or damage to your own tools and equipment (you’d need inland marine or equipment coverage).
Q: How Fast Can I Get Covered?
A: With TBF Insurance, you can get coverage in minutes. We offer:
- Instant online quotes – See pricing fast with zero phone tag.
- Instant online insurance proposal – Review your custom plan details right away.
- Instant online binding – Ready to go? Lock in your policy the same day.
Q: Why Should I Choose TBF Insurance?
A: Because we specialize in coverage for contractors. We understand the industry, the risks, and how fast things move. Whether you’re a solo tradesman or running multiple crews, we’ll help you get the coverage you need—without the paperwork headache.
