General Liability Insurance 

General liability insurance (GL) is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. 

General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but general liability insurance also is available to many contractors as standalone coverage. 

Who Needs General Liability Insurance?

As a contractor or small business owner, you need some form of general liability insurance to safeguard your livelihood.

A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this type of situation is to make sure you carry enough general liability insurance.

Some employers might also require you to carry a certain amount of general liability insurance before you can work for them. 

General Liability Insurance for Contractors 

If you’re a contractor, we understand you might only need general liability insurance – not a BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you’re still exposed to liability risks in your job. 

You might be eligible to get general liability insurance, without the extra coverages in a BOP. We offer general liability insurance, as well as *Blanket Additional Insured Coverage to contractors who qualify. 

*Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers. 

General Liability Insurance in a BOP 

General liability insurance, along with other various protections, is available in BOPs written through some insurance programs.

If you need to protect things like personal property, or commercial buildings such as garages or storage facilities, you might require the additional protections provided in a BOP.