Q: Why do contractors need general liability insurance?
A: Whether you’re a solo handyman or managing a full crew, general liability insurance is one of the most important coverages a contractor can have. It protects your business from third-party claims involving bodily injury, property damage, or personal and advertising injury. For example, if a client trips over your equipment or you accidentally damage a customer’s property, general liability insurance steps in to cover the costs.
Q: Is general liability insurance required by law for contractors?
A: In many states, contractors are required to carry general liability insurance to obtain or maintain a license. Even if it’s not a legal requirement in your state, most clients won’t hire uninsured contractors. It gives your business credibility and helps you land more jobs.
Q: What does general liability insurance typically cover?
A: It usually includes coverage for:
- Bodily injury: Medical expenses if someone is injured on your job site.
- Property damage: Repair or replacement costs if you damage someone else’s property.
- Legal fees: If you’re sued over a covered incident.
- Completed operations: Problems that arise after your work is done.
Q: How can contractors get insured quickly?
A: That’s where TBF Insurance makes the process easy. With instant online quotes, you can see your coverage options and pricing within minutes. Even better, we offer instant online binding, which means you can get your policy locked in and active the same day you apply.
Q: What if I need to send a proposal or proof of coverage?
A: No problem. We provide an instant online insurance proposal that you can share with clients, partners, or licensing boards. It’s a fast, professional way to show you’re insured and ready for business.
Q: How do I get started?
A: Getting insured is easier than ever. TBF Insurance offers fast, reliable coverage tailored specifically for contractors. No lengthy paperwork or waiting on phone calls—just real protection when you need it.
For General Liability Insurance Quote, visit: https://tbfinsure.com/general-liability/
