General Liability Insurance for Contractors

What Is General Liability Insurance?

General liability insurance helps protect contractors and tradesmen from third‑party claims involving bodily injury, property damage, or personal injury caused by business operations, employees, or completed work.

This coverage is commonly required to obtain or maintain a contractor’s license, meet contract requirements, and issue certificates of insurance.

Why Contractors & Tradesmen Need General Liability Insurance

Construction work involves risk. Even experienced contractors can face claims that lead to costly lawsuits, project delays, or lost contracts. General liability insurance helps protect your business and financial stability.

• Protects against third‑party injury and property damage claims

• Helps meet state licensing and permit requirements

• Satisfies insurance requirements from general contractors and property owners

• Supports business growth and larger project eligibility

• Helps protect personal and business assets

General Liability Coverage for Hard‑to‑Place Contractors

Not all contractors qualify for standard insurance programs. We specialize in helping hard‑to‑place construction risks secure general liability coverage through specialty and excess markets.

• High‑risk trades

• New ventures and startups

• Prior claims or loss history

• Lapses in coverage

• Multi‑state operations

• Large or complex projects

Fast Binding & Same‑Day Certificates of Insurance

Contractors often need insurance quickly to start or continue work. In many cases, we can bind general liability coverage the same day and deliver certificates of insurance without delays.

• Same‑day binding available in many cases

• Fast certificates of insurance (COIs)

• Additional insureds added quickly

• Coverage limits adjusted to meet contract requirements
  

General Liability Insurance Across the Western United States

We provide general liability insurance solutions for contractors operating in the following states:

California • Nevada • Texas • Arizona • Oregon • Colorado • Washington

Coverage availability and eligibility vary by state and carrier underwriting guidelines.

Schedule a General Liability Insurance Consultation

Speak with a licensed broker who specializes in construction insurance. We’ll review your trade, coverage needs, and timeline to help you secure the right general liability policy.

General Liability Insurance FAQ

Is general liability insurance required for contractors?

In many states, general liability insurance is required to obtain or maintain a contractor’s license and is commonly required by contracts.

What general liability limits do contractors need?

Most contractors carry 1,000,000 per occurrence and 2,000,000 aggregate, though requirements vary by state and contract.

Can you insure high‑risk or hard‑to‑place contractors?

Yes. We work with specialty carriers that insure high‑risk trades and contractors declined elsewhere.

How fast can general liability coverage be bound?

In many cases, coverage can be bound the same day, depending on underwriting requirements.

How quickly can I get a certificate of insurance?

Certificates of insurance are often issued the same day or within 24 hours after binding.