General Contractor (GC) Insurance — also for Paper Contractor
Built for General Contractors with crews and Paper Contractors who subcontract 100% of field work. Get an instant General Liability quote below and contact us for Workers’ Compensation and certificate wording that matches GC/owner requirements.
Who we insure
Prime and remodeling GCs, tenant build‑out, light commercial, and residential general contractors—including Paper Contractors (administrative GCs with no direct field labor). We align your policy limits and endorsements to owner/GC subcontract agreements and municipality requirements.
- GL limits commonly $1M per occurrence / $2M–$4M aggregate (higher via umbrella).
- Certificates with Additional Insured, Primary & Noncontributory, and Waiver of Subrogation available when supported.
- Subcontractor risk transfer: collect COIs, verify endorsements, and maintain executed contracts to avoid WC/GL audit pickups.
Paper Contractor (Administrative GC)
If you subcontract 100% of field work and manage projects administratively, you’re often called a Paper Contractor. You still need General Liability for premises/operations and contractual exposures, and many owners/GCs will require Workers’ Compensation even with no W‑2 staff. We’ll structure coverage and certificates to satisfy contract language while keeping costs efficient.
- Confirm that subs carry GL & WC with matching or higher limits.
- Collect AI/PNC/Waiver endorsements from subs; keep them on file.
- Some states/contracts expect WC evidence for the GC entity—contact us below.
Coverages
General Liability (GL)
| Each Occurrence | $1,000,000 typical (higher available) |
|---|---|
| General Aggregate | $2,000,000–$4,000,000 typical |
| Products/Completed Operations | Included — key for finished work |
| Personal & Advertising Injury | Included |
| Damage to Premises Rented to You | Included |
GL responds to third‑party bodily injury and property damage. It does not cover injuries to your workers — see Workers’ Comp.
Workers’ Compensation (Contact Us)
Required for W‑2 employees in most states, and frequently required by owners/GCs even if you subcontract all field work. We’ll help you navigate payroll, owner inclusion/exclusion, and audit impacts from uninsured subs.
Get Workers’ Comp HelpOptional & Related Coverages
- Tools & Equipment (Inland Marine): Portable tools, generators, small equipment.
- Business Auto / HNOA: Company vehicles or liability for hired/non‑owned autos.
- Umbrella/Excess: Higher limits over GL/Auto/WC.
- Contractors’ E&O: Administrative errors not otherwise covered by GL.
Instant General Liability Quote
Use our instant option for many GC and Paper Contractor classes. Need special endorsements or higher limits? Start here and we’ll fine‑tune if needed.
Frequently Asked Questions
Do Paper Contractors really need Workers’ Comp?
Often yes—owners/GCs and some states expect WC evidence for the GC entity even without W‑2 staff. We’ll review your contracts and state rules and route you to the right option.
If I subcontract 100%, do I still need GL?
Yes. You retain premises/operations and contractual exposure and are often required to carry GL with AI/PNC/Waiver endorsements.
What endorsements do GCs commonly need on certificates?
Additional Insured (ongoing/completed ops), Primary & Noncontributory, and Waiver of Subrogation are frequent requests. We match wording when supported by the carrier.
Are 1099 subcontractors covered by my policy?
They should carry their own GL/WC. Uninsured subs can be treated as your exposure at audit; always collect and verify their COIs and endorsements.
Workers’ Comp & Custom Quotes — Contact Us
Tell us about your GC or Paper Contractor setup and we’ll follow up with Workers’ Comp options and any custom endorsements you need.