General Liability Insurance helps protect your business if someone gets hurt, their property is damaged, or you face a claim for something you advertised. It covers legal costs and damages so you can focus on running your business.
Protect Your Business From the Risks That Come With the Job
Accidents happen even to experienced contractors. General Liability Insurance helps protect your business from the financial impact of third-party bodily injury, property damage, and other covered claims arising from your business operations.
Whether you're working at a customer's property, on a construction site, or managing multiple projects, the right General Liability coverage helps protect the business you've worked hard to build.
What is General Liability Insurance?
General Liability Insurance (GLI) protects your business from financial losses due to third-party claims of bodily injury, property damage, or personal injury caused by your products, services, or operations. It can also cover legal fees, settlements, or judgments if your business faces a lawsuit.
What Does General Liability Insurance Cover?
Bodily Injury
If a customer, property owner, or other third party is injured as a result of your business operations, General Liability Insurance may help cover medical expenses, legal costs, settlements, and other covered expenses.
Property Damage
If you or one of your employees accidentally damages someone else's property while performing work, your policy may help cover the resulting claim.
For example, if a plumber accidentally causes water damage while working at a customer's property, General Liability coverage may respond depending on the circumstances and policy terms.
Personal & Advertising Injury
Coverage may help protect your business against certain claims involving libel, slander, copyright infringement in advertising, and other covered personal or advertising injuries.
Legal Defense Costs
Even when you believe your business did nothing wrong, defending a lawsuit can be expensive. General Liability Insurance can help pay legal defense costs for covered claims, subject to the terms of your policy.
Why Contractors Need General Liability Insurance
Contractors work around customers, property, equipment, subcontractors, and active job sites every day. One accident can potentially result in a costly claim.
General Liability Insurance can also be important when you need to:
Meet customer or general contractor insurance requirements
Sign certain contracts
Work on commercial projects
Provide a Certificate of Insurance (COI)
Add a client or general contractor as an Additional Insured
Meet landlord or project requirements
How Much General Liability Coverage Does a Contractor Need?
The right coverage depends on your trade, annual revenue, payroll, subcontractor costs, project sizes, contracts, and overall risk exposure.
Many contracts specify minimum insurance limits, so it's important to make sure your policy meets both your business needs and contractual requirements.
EveryTrade Insurance can help review your operations and identify appropriate coverage options for your business.
General Liability Insurance Built for the Trades
Every contractor is different. The insurance needs of an electrician can be very different from those of a plumber, HVAC contractor, painter, landscaper, or general contractor.
EveryTrade Insurance specializes in helping contractors and trade businesses find coverage suited to their operations.
Protect your business. Protect your reputation. Keep your projects moving.
Get a Free General Liability Insurance Quote
Need General Liability Insurance or a Certificate of Insurance?
Let us help you find coverage designed for your business.
A customer trips on a fixture at your business and gets injured.
Solution
Premises and operations insurance can help with hospital bills and damages as well as coverage for your business if the customer sues for negligence.
Lawsuits Coverage
Risk Factors
A former client files and wins a lawsuit over work performed by your company.
Solution
Products and completed operations insurance can help with the defense costs and in some cases, the legal damages for which you may be responsible.
Data breach coverage
Risk Factors
You lose confidential business and customer data when your computer system is hacked.
Solution
Cyber liability and data breach coverage can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.
Disgruntlement Coverage
Risk Factors
A disgruntled former employee or even an applicant you didn’t hire brings legal action against your company.
Solution
Employment Practices Liability can help cover your business entity, directors, and employees if you are accused of wrongful termination, harassment, discrimination or other employment-related offenses.
Copyright infringement coverage
Risk Factors
A copyright infringement can arise from using someone else’s work in your business’ product or ad without their permission.
Solution
To prevent such liabilities from affecting your business, you should have general liability insurance.
