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What Every Contractor Must Know About General Liability Insurance

by builtinsurance 23 September , 2022

As a contractor, you likely know that having some form of liability insurance is a necessity in order to adequately protect your business over time. But what exactly is general liability insurance, and what specifically does it cover? Here’s what you need to know about this essential type of insurance.


General liability insurance is a common type of insurance coverage designed to provide protection against claims or lawsuits arising from your business operations. This can include claims of bodily injury, property damage, personal injury, advertising injury, and more. General liability insurance can help cover the costs of your legal defense as well as any damages that may be awarded to the plaintiff in a lawsuit. The amount of coverage you need will ultimately depend on the size and scope of your business. Experienced insurance agents will be able to advise you on the right policies for your particular requirements.

Types of General Liability Coverage

Most general liability policies will have three main coverage parts: bodily injury liability, property damage liability, and personal and advertising injury liability.


Bodily injury liability coverage can help protect you if your business is found liable for causing someone else bodily harm. This could include things like injuries sustained in a slip and fall accident at your business premises, or if one of your employees injures someone while working on a job site.


Property damage liability coverage can help protect you if your business is found liable for damaging someone else’s property. This could include things like damage to a client’s home or office that was caused by your work, or damage to equipment or machinery that you were using on a job site.


Personal and advertising injury liability coverage can help protect you from claims of defamation, false arrest, and more. This type of coverage is important for any business that relies heavily on advertising or marketing, as well as businesses that may interact closely with the public, such as retail stores or restaurants.

Protect Your Business with General Liability Insurance from Built Insurance Brokerage

No matter what type of contractor business you operate, it’s important to have some form of general liability insurance in place. This type of insurance can go a long way in helping protect your business from a variety of potential risks, and can give you the peace of mind knowing that you’re covered in the event of a lawsuit or claim.


When it comes to general liability insurance, it is also important to understand the coverage caps pertaining to your policy as there are typically limits on the amount of coverage they provide. This means that if the damages you are liable for exceed the limit of your policy, you will be responsible for paying the difference out of pocket. It is important to make sure that you have a policy with limits that fit your business needs.


If you’re in need of general liability insurance for your business, the team here at Built Insurance Brokerage would appreciate the opportunity to speak with you. Please give us a call today at (805) 413-4331.

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