Protect Your Business with Contractors Insurance and Bonds

General Liability Insurance for Contractors is essential coverage that protects against financial losses from third-party claims, including bodily injury, property damage, and personal injury. It helps contractors avoid out-of-pocket costs for legal fees, medical expenses, or damages if they are found liable for accidents or mishaps on the job.

1. Bodily Injury
   
   • Covers medical expenses if a third party (e.g., client, vendor, or passerby) is injured due to your work.
   • Example: A client trips over your tools at a job site and suffers an injury.

1. Property Damage
   
   • Pays for repairs or replacements if your work accidentally damages someone’s property.
   • Example: You spill paint on a client’s expensive carpet, requiring professional cleaning or replacement.

1. Personal & Advertising Injury
   
   • Protects against claims of defamation (libel/slander) or copyright infringement in advertisements.
   • Example: A competitor sues you for using similar branding in your marketing.

1. Legal Defense Costs
   
   • Covers attorney fees, settlements, and court costs if you are sued for a covered claim.
   • Example: A customer files a lawsuit claiming your work caused damage to their home.

• Employee injuries (covered by workers' compensation).
• Damage to your own property or equipment (covered by commercial property insurance).
• Professional errors or mistakes (covered by professional liability insurance).
• Auto accidents (covered by commercial auto insurance).

✔ General contractors
✔ Painting contractors
✔ Electricians, plumbers, and HVAC contractors
✔ Construction and remodeling businesses
✔ Landscapers and handymen

• Many clients and landlords require proof of general liability before hiring a contractor.
• Helps protect against costly lawsuits and unexpected accidents.
• Provides financial security and credibility for your business.

Would you like help finding a policy tailored to your business needs?