PROTECTING THE POSSIBLE
Contractor’s General Liability Insurance
Contractor’s general liability insurance is one of the most important coverages you should include in your construction insurance strategy. This policy typically covers third-party claims of bodily injury and property damage, helping protect your business from a wide range of scenarios that could result in financial loss.
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COVERAGE SNAPSHOT
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Contractor’s general liability insurance typically covers:
- Bodily injury and medical expenses – in the event a client or visitor is injured at or resulting from the work at the construction site
- Property damage – if a contractor causes damage to the client’s property or a third-party property
- Legal fees – for defense costs and attorney fees if the contractor is sued for a covered event
- Personal and advertising injury – for claims of non-physical harm, such as libel, slander, false advertising, or copyright infringement
- Products and completed operations – for claims if a completed construction project causes injury or property damage due to faulty workmanship or defective materials
Contractor’s general liability insurance typically excludes:
- Pollution liability – Environmental hazards, such as chemical spills or air contamination, are typically excluded.
- Professional liability – Errors or negligence in design, engineering, or consulting are not covered.
- Employment practices liability – Claims involving wrongful termination, discrimination, or workplace harassment are excluded.
- Asbestos liability – Due to the hazardous nature of asbestos, most general liability policies exclude coverage.
- Aircraft, watercraft, and automobile liability – Accidents involving owned or leased vehicles are typically excluded.
Contractors should consider separate policies to help ensure comprehensive coverage is in place to help protect their investments and assets.
WHO NEEDS COVERAGE
Protect your projects and your profits
Contractor’s general liability insurance is highly recommended for any party involved in a construction project who could be held liable for third-party injuries or damages.
Those who should consider this insurance include, but are not limited to:
- Project owners
- General contractors
- Subcontractors
- Independent contractors
- Construction managers
- Trade contractors
- Civil contractors
- Utility contractors
- Suppliers
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