Protection for the jobsite —
simple, fast, and built for contractors
Get the coverage most jobs require: certificates in minutes, Additional Insured (CG 20 10/CG 20 37), Primary & Non‑Contributory, and Waiver of Subrogation options. Friendly help when you need it.
The three standard parts of General Liability
Coverage A — Bodily Injury & Property Damage
Helps cover third‑party injuries or property damage caused by your ongoing operations (e.g., water damage, ladder incidents, overspray).
Coverage B — Personal & Advertising Injury
Protects against claims like libel, slander, and certain advertising disputes (e.g., competitor says your ad harmed them).
Medical Payments
No‑fault medical coverage (small limits) for minor injuries to third parties that happen at the jobsite.
Who needs it?
GCs & Remodelers
Residential or commercial projects.
Electrical • HVAC • Plumbing
Trades with jobsite exposures or permits.
Roofing • Siding • Painting
High‑exposure trades often required by contract.
Handyman & Specialty
Carpentry, drywall, concrete, landscaping, and more.
What’s typically covered
- ✓ Third‑party bodily injury & property damage
- ✓ Products & completed operations
- ✓ Defense costs for covered claims
- ✓ Personal & advertising injury
What’s not covered
- ✗ Your own property or tools (see Inland Marine/Tool Floater)
- ✗ Employee injuries (see Workers’ Comp)
- ✗ Professional design errors (see Contractors E&O)
- ✗ Auto accidents (see Commercial Auto/HNOA)
Typical limits & endorsements
| Coverage | Common Limits | Notes |
|---|---|---|
| Each Occurrence | $1,000,000 | Often paired with $2M General Aggregate |
| General Aggregate | $2,000,000 | Can be per‑project by endorsement |
| Products/Completed Ops Agg. | $2,000,000 | Key for post‑completion claims |
| Med Pay (any one person) | $5,000 – $10,000 | No‑fault small injuries |
| Additional Insured | CG 20 10 / CG 20 37 | Ongoing & completed ops; Primary & Non‑Contributory as required |
| Waiver of Subrogation | By endorsement | Often required by contract |
Coverage, limits, and endorsements vary by carrier and state. We’ll match requirements in your contract when possible.
Certificates & job requirements — fast
Instant COIs
Need proof now? We can issue certificates quickly — often same‑day for standard accounts.
Match the spec
Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation, Per‑Project Aggregate — we’ll help you decode the fine print.
Subs & risk transfer
We’ll share best practices for collecting subs’ COIs to keep your job moving.
What insurers ask (be ready):
- ✓ Your trade(s), payroll, and gross receipts
- ✓ % of subcontracted work and certificates on file
- ✓ Residential vs. commercial split; any roofing/structural work
- ✓ Loss history (claims in the last 3–5 years)
- ✓ License/bond status, safety program details
Get a fast quote
Contractors GL — FAQs
How much does it cost?
Pricing depends on trade, payroll/revenue, subcontracting, and claims history. Many small contractors see annual premiums starting a few hundred dollars; higher‑risk trades and higher limits cost more.
Can I add an Additional Insured and Waiver of Subrogation?
Yes — most policies allow AI (CG 20 10/CG 20 37) and Waiver endorsements, sometimes for a small charge. We’ll match your contract requirements when possible.
How fast can I get a certificate?
For standard accounts we frequently issue COIs the same day. Complex specs or new placements may take longer.
Does GL cover my tools or employees?
No — GL is for third‑party injury or property damage. Tools are insured by an Inland Marine/Tool Floater policy, and employees are covered by Workers’ Comp.
What’s the difference between ongoing and completed operations?
Ongoing operations refer to work while the job is in progress; completed operations applies after the job is finished and turned over. Contracts often require both.
Insurance products, features, and availability vary by carrier and state. This page is for general informational purposes and does not modify coverage terms or create any binding agreement. Final terms are set by the policy and endorsements issued by the insurer.