Contractors face a wide range of risks on job sites—from property damage to third-party injuries. That’s why general liability insurance is a must-have for contractors in any trade. At TBF Insurance, we make protecting your business fast, easy, and accessible with instant online quotes, instant online binding, and instant online insurance proposals. Below, we answer some of the most common questions contractors have about general liability insurance.
What is general liability insurance for contractors?
General liability insurance for contractors provides coverage for bodily injury, property damage, and personal injury claims that may arise during the course of your work. Whether you’re a general contractor, electrician, plumber, or painter, this coverage helps protect your business from potentially devastating financial losses.
Why do contractors need general liability insurance?
Even the most experienced contractors face unpredictable risks. A ladder falls and damages a client’s property. A customer slips on a wet floor at a job site. Without coverage, you could be held personally liable for medical costs, repairs, and legal fees. General liability insurance acts as a financial safety net, ensuring your business is protected from these liabilities.
How can I get general liability coverage quickly?
At TBF Insurance, we streamline the entire process. You can:
- Get instant online quotes to compare your options
- Secure your policy with instant online binding
- Review your coverage details through an instant online insurance proposal
Everything can be done from your phone or computer, without having to wait for a callback or schedule a meeting.
What does general liability insurance typically cover?
A standard general liability insurance policy for contractors usually includes:
- Bodily Injury: Covers medical expenses if someone is injured as a result of your work.
- Property Damage: Covers repair or replacement costs if you accidentally damage someone else’s property.
- Legal Defense Costs: Pays for your defense if you’re sued for a covered claim.
- Personal and Advertising Injury: Covers claims like libel, slander, or false advertising.
Is general liability insurance required for contractors?
In many states, yes—especially if you’re applying for a contractor’s license or bidding on commercial jobs. Even if it’s not legally required, many clients won’t hire contractors who aren’t insured. It gives them peace of mind and adds credibility to your business.
Can I bind a policy instantly online?
Absolutely. TBF Insurance offers instant online binding, so once you receive your quote and choose your coverage, you can activate your policy in minutes. There’s no paperwork to mail and no waiting for approval.
What makes TBF Insurance different?
We specialize in contractor coverage and understand your unique needs. With TBF Insurance, you get:
- Fast and accurate instant online quotes
- Immediate coverage through instant online binding
- Transparent terms with a downloadable instant online insurance proposal
- Dedicated support from a team that knows contractor insurance inside and out
Get Covered Today
Don’t let an accident or claim derail your business. Protect your livelihood with reliable, affordable general liability insurance—on your terms and timeline.
For General Liability Insurance Quote: https://tbfinsure.com/general-liability/
