As a contractor, your day-to-day operations involve unique risks—from jobsite injuries to property damage. General liability insurance is one of the most essential policies for protecting your business. At TBF Insurance, we’re making it easier than ever for contractors to get covered through instant online quotes, instant online binding, and an instant online insurance proposal.
Here’s everything you need to know:
Q: What is General Liability Insurance for Contractors?
A: General liability insurance protects your contracting business against third-party claims of bodily injury, property damage, and even personal or advertising injury. Whether you’re a general contractor, electrician, plumber, or handyman, this type of policy is often required to work on job sites or secure contracts.
Q: Why Do Contractors Need General Liability Insurance?
A: Accidents happen—even when you take all the right precautions. If a client trips over your tools or if you accidentally damage a customer’s property, you could be liable for thousands in damages. General liability insurance ensures you’re not footing the bill out of pocket and gives clients peace of mind knowing you’re covered.
Q: How Can I Get a Quote Quickly?
A: At TBF Insurance, speed and simplicity are at the heart of what we offer. With our instant online quote system, contractors can get a personalized estimate in just minutes. No lengthy paperwork, no back-and-forth—just fast, accurate quoting tailored to your trade.
Q: Can I Bind My Policy Online?
A: Yes! Once you receive your quote, you can proceed with instant online binding. This means you can activate your policy immediately, without the need for phone calls or in-person meetings. It’s ideal for contractors who need proof of coverage fast.
Q: What is an Instant Online Insurance Proposal?
A: It’s a fully detailed policy breakdown that outlines your coverages, limits, and premium—all generated instantly online. Our instant online insurance proposal feature allows you to review your plan before binding, ensuring you understand every aspect of your protection.
Q: What Does a Typical General Liability Policy Cover?
A: Standard coverage includes:
- Bodily Injury – Injuries to third parties on a jobsite.
- Property Damage – Damages caused to someone else’s property.
- Personal & Advertising Injury – Coverage for libel, slander, or false advertising claims.
- Medical Payments – Quick payments for minor injuries, regardless of fault.
Depending on your trade and contract requirements, you may also need additional endorsements or higher limits.
Q: Is General Liability Insurance Mandatory?
A: While not legally required in all states, most clients, property managers, and licensing boards require proof of general liability coverage. It’s also a strong signal to potential clients that you’re a professional who takes responsibility seriously.
Q: What Makes TBF Insurance Different?
A: We specialize in contractor insurance and have streamlined the entire process. With instant online quotes, instant online binding, and an instant online insurance proposal, you can get the protection you need without ever picking up the phone.
