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General Liability Insurance
Protects your business if your work injures someone or damages their property.
What it covers
- Bodily injury to third parties, such as a client or passerby
- Damage to other people’s property caused by your work
- Legal defense costs and settlements
- Claims from completed work (completed operations)
Who needs it
- General contractors and subcontractors in every trade
- Contractors whose clients or general contractors ask for a certificate of insurance
- Anyone bidding on jobs that require proof of coverage
Good to know
- 1/2/2 policies are the most common: $1M per occurrence, $2M general aggregate, and $2M products and completed operations aggregate
- It does not cover injuries to your own employees (see Workers Comp)
- It does not cover the structure you are building (see Builders Risk)
- Your limits should meet any contract or license minimums
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