What is General Liability?
A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.
Who Needs General Liability Insurance?
As a contractor or small business owner, you need some form of general liability insurance to safeguard your livelihood.
A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this type of situation is to make sure you carry enough general liability insurance.
Some employers might also require you to carry a certain amount of general liability insurance before you can work for them.
General Liability Insurance for Contractors
If you're a contractor, we understand you might only need general liability insurance - not a BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you're still exposed to liability risks in your job.
You might be eligible to get general liability insurance, without the extra coverages in a BOP, through some of our programs. We offer general liability insurance, as well as *Blanket Additional Insured Coverage to contractors who qualify.
*Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers.