Contractor General Liability Insurance
A cornerstone coverage to protect your business financially and provide peace of mind for you. Get insured for as low as $60/month.*
Insuring over 1 million small business owners worldwide.
This block is configured using JavaScript. A preview is not available in the editor.
Coverage for the Risks Contractors Face
As a contractor, your line of work puts you at greater risk for damage and accidents. That’s why we recommend contractor general liability insurance.
General liability (GL) can help cover the costs of claims, medical bills, legal expenses, and more — which can run into tens of thousands of dollars. This type of policy also can help cover damage caused by employees.
Third-party property damage
You unintentionally damage a client’s furniture during a home remodeling project. Contractor GL insurance can cover the repair, legal, and other related costs.
Third-party injuries
A customer trips over tools left lying on the ground and suffers an injury. A general liability insurance policy can help cover their medical expenses.
Advertising injury
A competitor claims a logo for your business is remarkably similar to theirs and files a lawsuit. Contractor GL insurance can help cover claims and legal expenses if you’re sued as a result of your business’s advertising, marketing, or social media activities.
General Liability
A one-minute explanation
Find out what GL insurance for contractors covers, why you might need it, and how we can help – All in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Contractor General Liability Insurance Cost?
Try our Contractor General Liability Calculator
Get a quick estimate in just 3 steps.
Answers to Contractor General Liability Insurance Questions
What determines the cost of coverage?
Contractor general liability cost is largely determined by the type of work you do, the types of risks you’re exposed to, and the number of employees you have.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
How do I get proof of my contractor general liability insurance?
In many instances, you can get same-day proof of insurance and 24/7 access to your certificate of insurance (COI) in your online account and in your mobile wallet.
Do I need contractor general liability insurance?
Liability insurance coverage for contractors can financially protect the business you’re building. Without it, you may have to pay out-of-pocket for property damage, accidents, or lawsuits.
In some cases, clients may require that you have insurance before they hire you or allow you to bid on a project. Some states and localities also may require GL coverage for your type of business.
What does contractor general liability insurance cover?
Typically covered:
- Third-party bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical expenses
Typically not covered:
- Damage to your own property
- Damage to a customer’s personal property stored in your care, custody, and control
- Professional services
- Workers’ compensation or injury to your employees
- Damage to your work
- Auto liability
- Expected or intentional injury or damage
Why work with Simply Business?
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
We have more general liability FAQs here.
Feel confident about your choice
This block is configured using JavaScript. A preview is not available in the editor.
Search
Find what you need in just 10 minutes online, 24/7.
Compare
Get customized coverage options and quotes from top-rated small business insurers.
Save
Choose among affordable policies, many with savings up to 20% and monthly payment options.**
Relax
Download, manage, and share your certificate of insurance online, 24/7. Conveniently store a copy on your mobile device.
We’ve Got More Helpful Information for Contractors
5-minute read
A General Liability Insurance Guide for Small Business
10-minute read
Business Insurance Cost: How to Save More on Your Policy
8-minute read
How to Find the Right Small Business Insurance Policy
Highly rated carriers. Handpicked for small businesses.
*The displayed price is an estimate based on the 10th percentile of General Liability policies sold by Simply Business between January-June 2024, divided evenly across a 12-month policy term. Actual price and payment terms, including an initial down payment, may vary, based on your state, insurance provider, and business.
**Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.