As a contractor, managing risks is a crucial part of your business. Whether you’re a general contractor, electrician, plumber, or roofer, protecting yourself against lawsuits and accidents is non-negotiable. In this article, we answer common questions about general liability insurance and how TBF Insurance makes the process faster and easier with instant online quotes, instant online binding, and an instant online insurance proposal.
Q: What is General Liability Insurance and Why Do Contractors Need It?
A: General liability insurance covers contractors against third-party claims involving bodily injury, property damage, or personal injury. For example, if a client trips over your tools and gets injured, or you accidentally damage a customer’s property during a job, this policy helps cover legal fees, settlements, or medical expenses.
Contractors face these risks every day. Without coverage, one incident could result in expensive lawsuits or even bankruptcy. General liability insurance ensures your business remains financially secure.
Q: Is General Liability Insurance Required for Contractors?
A: In many states and municipalities, yes. General liability insurance is often required to obtain a contractor’s license or to bid on jobs, especially public or commercial projects. Even when it’s not legally mandated, most clients won’t hire uninsured contractors due to the potential liabilities.
Having this coverage not only helps meet legal and professional requirements—it also builds trust with your clients.
Q: How Can I Get a General Liability Insurance Quote Quickly?
A: With TBF Insurance, getting insured is fast, easy, and 100% online. Our platform provides:
- Instant online quotes – Get a price estimate in minutes.
- Instant online insurance proposal – View a full proposal tailored to your needs.
- Instant online binding – Ready to proceed? Bind your policy immediately online.
No more waiting days for a response or sitting through time-consuming phone calls.
Q: What Information Do I Need to Get Started?
A: To receive your instant online insurance proposal, you’ll typically need to provide:
- Your business name and contact info
- Type of contracting work you perform
- Estimated annual revenue
- Number of employees
- Past claims history (if any)
The more accurate your information, the more precise your quote will be.
Q: Can I Customize My Coverage?
A: Absolutely. At TBF Insurance, we understand that no two contractors are alike. You can tailor your coverage based on the size of your business, the types of projects you handle, and any specific client or licensing requirements.
Optional endorsements like tools and equipment coverage or completed operations can also be added, depending on your risk profile.
Q: What Happens After I Bind My Policy Online?
A: Once you bind your policy through our instant online binding process, you’ll receive:
- A certificate of insurance (COI) you can share with clients or licensing agencies
- Immediate policy documents via email
- Ongoing customer support from our team, whenever you need it
You’re officially covered and can move forward with confidence.
Secure Your Business Today
Whether you’re just starting out or expanding your contracting business, don’t wait to get the protection you need. With TBF Insurance, you can quote, bind, and receive your policy documents all in one seamless online experience.
👉 For General Liability Insurance Quote: https://tbfinsure.com/general-liability/
