As a contractor, protecting your business from unexpected risks is crucial. General liability insurance is a must-have to safeguard against financial losses due to accidents, property damage, or lawsuits. At TBF Insurance, we offer instant online quotes, instant online binding, and instant online insurance proposals to make the process as seamless as possible. Here, 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 policy that protects contractors from financial burdens resulting from third-party claims of bodily injury, property damage, and personal or advertising injury. Whether you work in construction, plumbing, electrical, or any other trade, this coverage helps ensure that one accident doesn’t derail your business.
Why Do Contractors Need General Liability Insurance?
Contractors often work in environments where accidents can happen. A simple mishap, such as a client tripping over a toolbox, could result in a costly lawsuit. General liability insurance helps cover legal fees, medical expenses, and damages, giving you peace of mind to focus on your projects.
What Does General Liability Insurance Cover?
This policy typically covers:
- Bodily Injury: If a third party is injured due to your business operations.
- Property Damage: If your work accidentally damages a client’s property.
- Personal and Advertising Injury: Protection against claims of slander, libel, or copyright infringement.
What Is Not Covered by General Liability Insurance?
While general liability insurance offers broad protection, it does not cover:
- Injuries to you or your employees (workers’ compensation is needed for that).
- Damage to your own tools or equipment (consider inland marine insurance).
- Professional errors or mistakes (errors & omissions insurance is needed for that).
How Can Contractors Get Instant Coverage?
At TBF Insurance, we understand that contractors are busy, and getting insured shouldn’t be a hassle. That’s why we offer instant online quotes, instant online binding, and instant online insurance proposals. You can get the coverage you need quickly, without unnecessary delays.
How Much Does General Liability Insurance Cost for Contractors?
The cost of general liability insurance depends on factors like:
- The type of contracting work you do.
- Your business size and revenue.
- The amount of coverage you need.
By using our instant online insurance proposal, you can easily compare prices and choose the best plan for your needs.
Where Can Contractors Get a General Liability Insurance Quote?
Getting insured is easy with TBF Insurance. For General Liability Insurance Quote, visit: https://tbfinsure.com/general-liability/. Protect your business today!
