What is general liability insurance for contractors?
General liability insurance for contractors is a type of business insurance that covers third-party claims involving bodily injury, property damage, and personal or advertising injury. For contractors, this coverage is critical, as it addresses risks that arise during projects, such as accidental damage to a client’s property or a customer slipping on-site.
Q: Why do contractors need general liability insurance?
Contractors face unique risks on the job, including:
- Worksite Accidents: Injuries to clients or bystanders.
- Property Damage: Unintentional damage to a client’s property during a project.
- Lawsuits: Legal fees and settlements from claims of negligence.
Having general liability insurance not only protects you financially but also enhances your credibility with clients who require proof of insurance before awarding contracts.
Q: Can I get general liability insurance instantly online?
Yes! At TBF Insurance, we make the process quick and easy by offering instant online quotes. In just a few minutes, you can access an instant online insurance proposal tailored to your needs and even bind coverage online without waiting for paperwork.
Q: What does general liability insurance cover for contractors?
Typical coverage includes:
- Bodily Injury: Covers medical expenses and legal costs if someone is injured on your worksite.
- Property Damage: Pays for accidental damage caused by your work or tools.
- Personal and Advertising Injury: Protects against claims like libel or slander arising from your business operations.
Q: What doesn’t general liability insurance cover?
While general liability insurance covers many risks, it does not include:
- Employee Injuries: For this, you’ll need workers’ compensation insurance.
- Professional Errors: Consider professional liability insurance for coverage against mistakes in your work.
- Tools and Equipment: These are covered under inland marine insurance or a specific policy for tools.
Q: How much does general liability insurance for contractors cost?
The cost depends on several factors, including:
- The size of your business.
- The type of work you perform.
- Your coverage limits and deductibles.
With TBF Insurance’s instant online quotes, you can quickly get a competitive rate tailored to your business.
Q: How can I bind my general liability insurance policy instantly?
TBF Insurance simplifies the binding process with instant online binding. After receiving your quote and proposal, you can secure coverage immediately online—no delays, no stress.
Q: What’s the next step to getting general liability insurance?
If you’re a contractor looking for fast, reliable coverage, don’t wait. For General Liability Insurance Quote, visit https://tbfinsure.com/general-liability/ and get started today. Protect your business with a policy that’s quick to secure and comprehensive in coverage.
