As a contractor, you face risks every day on the job. From property damage to third-party injuries, unexpected incidents can lead to costly claims. That’s where general liability insurance comes in. At TBF Insurance, we make it easy for contractors to secure coverage with instant online quotes, instant online binding, and an instant online insurance proposal. Below, we answer some of the most common questions about general liability insurance for contractors.
What Is General Liability Insurance for Contractors?
General liability insurance is a type of business insurance that covers third-party claims of bodily injury, property damage, and personal or advertising injury. This coverage protects contractors from financial loss due to lawsuits, medical expenses, and repair costs resulting from accidents on a job site.
Why Do Contractors Need General Liability Insurance?
Contractors work in high-risk environments where accidents can happen at any time. Many clients and project owners require proof of general liability insurance before allowing work to begin. Without coverage, contractors could be held personally responsible for damages, which could put their business at risk.
What Does General Liability Insurance Cover?
General liability insurance for contractors typically covers:
- Bodily Injury: If a third party (such as a client or passerby) is injured due to your work, this coverage helps pay for medical expenses and legal fees.
- Property Damage: Accidental damage to a client’s property while performing work is covered.
- Personal & Advertising Injury: If you are sued for libel, slander, or false advertising, this coverage helps with legal costs.
What Is Not Covered Under General Liability Insurance?
General liability insurance does not cover:
- Employee injuries (covered under workers’ compensation insurance)
- Damage to your own tools and equipment (covered under contractor’s equipment insurance)
- Professional errors or mistakes (covered under professional liability insurance)
- Contract disputes
How Much Does General Liability Insurance Cost for Contractors?
The cost of general liability insurance varies based on factors such as:
- Type of contracting work
- Business size and annual revenue
- Claims history
- Coverage limits
With instant online quotes, TBF Insurance makes it simple to get a price estimate tailored to your business.
How Can I Get General Liability Insurance Quickly?
At TBF Insurance, we understand that contractors need fast, hassle-free insurance solutions. That’s why we offer:
- Instant online quotes to help you compare prices quickly
- Instant online binding so you can secure coverage immediately
- Instant online insurance proposal so you can review your policy details in minutes
Where Can I Get a General Liability Insurance Quote?
Getting coverage is easy! For a General Liability Insurance Quote, visit: https://tbfinsure.com/general-liability/.
