Looking for cheap general liability insurance for contractors?

Get your coverage here at Pascal Burke Insurance Brokerage

General liability insurance gives you the peace-of-mind that your business assets are protected against risks or unforeseen events. If a third party alleges property damage, injury, or bodily harm, you won’t have to worry about your construction business assets being depleted by medical bills, court costs, settlements, or judgements.

In the high-risk construction industry, safety and protection are part of the job. General liability insurance is one way you can protect your business and keep your assets where you want them. You work hard to build your business. General liability insurance works hard to protect it.

There is no substitute for experience, so if you're trying to find the best possible general liability coverage in your location, you have come to the right place! Place your business in the capable hands of Pascal Burke Insurance Brokerage today!

What is General Liability Insurance?

General liability insurance, often called business liability insurance and commercial liability insurance, provides coverage for your business against claims of:

• Bodily injury.
• Property damage.
• Personal and advertising injury.
• Medical expenses.

What does a General Liability Insurance policy cover?

General liability insurance provides coverage to the insured for third-party “bodily injury” or “property damage” arising out of your operations, including defense and indemnity that the insured become legally obligated to pay. The policy also provides premises liability, fire damage to the insureds rented office (not your home).

Why you need General Liability Insurance?

General liability (GL) insurance (also known as small business liability insurance or commercial liability insurance) gives you the peace-of-mind that your business assets are protected against risks or unforeseen events. If a third party alleges property damage, injury, or bodily harm, you won’t have to worry about your construction business assets being depleted by medical bills, court costs, settlements, or judgements.

In the high-risk construction industry, safety and protection are part of the job. General liability insurance is one way you can protect your business and keep your assets where you want them. You work hard to build your business. General liability insurance works hard to protect it.

This section explains what our Business General Liability Insurance offers. You should consider General Liability Insurance Coverage if you or your employees:

• Interact with clients face to face – If you visit a client’s place of work, or clients visit yours.
• Have access to a customer’s property.
• If a customer’s home or property is damaged, GL could cover the cost to repair or replace it.
• Are required to have general liability insurance before entering into a contract.

Typical General Liability Coverage for Contractors:

General Liability:

Occurence Limit

$1,000,000

Aggregate Limit

$2,000,000

Product Completed Ops

$1,000,000

Worker's Compensation:

Limits

$1,000,000

Commercial Auto:

Limits

$1,000,000

Tools & Equipment:

Limits (* See note below)

$10,000

Excess Liability:

Limits (* See note below)

$1,000,000

Notes:

1. Tools and Equipment limits should be adjusted to the actual value of the Tools and Equipment owned, leased, or rented by the Contractor.
2. Excess Liability should be considered for exposures to loss that exceed $1,000,000, or contractual requirements dictate the amount of excess liability must be carried.
3. Professional Liability is usually not needed unless the GC is performing Design-Build, Construction Management, or other consulting services.

What is covered?

• Bodily Injury.
• Damage to third party property.
• Personal injury.
• Advertising injury.
• Medical expenses.
• Defense costs (On Covered Claims).
• Actions of your employees.

What is not covered?

• Your property, injury to you or your employees.
• Professional services.
• Workers’ compensation.
• Intent to injure.
• Coverage outside the policy period.
• Known claims prior to the start of the policy.

Optional Coverages:

Some small contractor insurance programs may exclude certain coverage listed below. If these coverages are needed, they can be purchased through broad form policies, usually at a higher cost.

• Contractual Liability.
• Prior Work.
• Uninsured subcontractor coverage.

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