General Liability Insurance Program Built for Contractors
Built for Contractors Who Are Past “Just Getting a Policy”
General Liability insurance should protect your business, not create headaches, coverage gaps, or last-minute emergencies.
If you’re a contractor with 5–100 employees, you already know the problem usually isn’t whether you have General Liability coverage. It’s how that coverage is structured, administered, and defended once your operation reaches scale.
Our General Liability program is designed specifically for
contractors who want fewer surprises, stronger risk transfer, and better outcomes when claims, audits, or contracts put coverage to the test.
General Liability Isn’t Broken. How It’s Managed Is.
Most contractors come to us frustrated by the same issues:
- Certificates that are slow, incorrect, or constantly rejected
- Subcontractor insurance that looks fine on paper, until a claim hits
- Coverage gaps no one flagged before renewal
- Surprise audit bills at the end of the policy period
- Lack of claims support or visibility
- Little to no real safety or risk management support
These aren’t carrier problems.
They’re
agency execution problems.
How Our General Liability Program Is Different
We don’t treat General Liability as a standalone policy.
We treat it as a
core risk management system that must hold up under real-world pressure.
1. Coverage Built Around Your Actual Operations
Coverage gaps often arise from exclusions, policy structure, or misalignment between operations and coverage.
We take the time to understand:
- We work with you to better understand what you actually perform
- How your job mix has evolved
- Where severity exposure exists
- How contracts shift liability
- How General Liability interacts with Umbrella, Auto, and other lines
We then structure coverage intentionally, not generically, to better align insurance with real-world operations.
The objective is to reduce unexpected coverage issues and improve clarity when claims occur.
2. Certificate Execution That Doesn’t Slow Jobs
For mid-size contractors, certificates aren’t paperwork, they’re part of your operations.
We hear it constantly:
“My agent is slow.”
“The wording is wrong.”
“GCs keep rejecting certs.”
Our process focuses on:
- Contract-driven certificate issuance
- Consistent additional insured and completed operations wording
- Fewer revisions and rejections
- Faster turnaround
- Less GC pushback
This keeps projects moving and protects risk transfer.
3. Subcontractor Risk Transfer That Actually Works
Collecting certificates isn’t the same as transferring risk.
We help contractors address:
- Inadequate subcontractor limits
- Missing additional insured completed ops
- Certificates collected but never verified
- Expirations that go unnoticed
- Subs creating exposure that comes back to your policy
Our approach is designed to:
- Strengthen contractual risk transfer
- Protect your loss history
- Reduce downstream claim disputes
- Improve carrier confidence in your controls
When subs cause damage, liability shouldn’t land on you by default.
4. Audit Support That Prevents Surprise Bills
Large audit bills are one of the fastest ways contractors lose trust in their agent and for good reason.
Audit problems usually stem from:
- Misclassified operations
- Poor revenue allocation
- No tracking of changes during the year
- No pre-audit review
- No advocacy during disputes
We support audits by:
- Documenting exposures correctly from the start
- Monitoring operational changes during the policy term
- Reviewing audits before submission
- Assisting with disputes when errors occur
The result: fewer surprises and cleaner renewals.
5. Claims Support Focused on Early Coordination
General Liability claims can become more complex and costly when communication breaks down early.
When a claim is reported, our role is to support coordination and communication, not replace the carrier or adjuster. We help by:
- Assisting with timely claim reporting
- Helping clients understand the claim process
- Facilitating communication between the insured, carrier, and other parties
- Monitoring claim status for responsiveness
- Providing general guidance and next steps
Early awareness and clear communication can help prevent misunderstandings and unnecessary escalation.
6. Practical Safety & Risk Management Support
At this size, contractors don’t need generic safety PDFs.
They need:
- Insight into what’s driving their claims
- Documentation that satisfies underwriters
- Risk controls aligned with real jobsite exposure
- Support that improves renewal outcomes
We help coordinate safety and risk management efforts that:
- Reduce claim frequency and severity
- Strengthen carrier relationships
- Support better long-term insurability
Risk management isn’t theoretical — it’s operational.
Frequently Asked Questions About General Liability Insurance for Contractors
What does general liability insurance cover for contractors?
General liability insurance is designed to address third-party bodily injury, property damage, and certain personal or advertising injury claims arising out of business operations. Coverage applies subject to the policy’s terms, conditions, and exclusions.
Does general liability insurance cover damage to a customer’s property?
General liability insurance may apply to third-party property damage caused by a contractor’s operations. Damage to the contractor’s own work, tools, or equipment is typically not covered and may require other types of insurance.
Is general liability insurance required for contractors?
General liability insurance is not always required by law, but it is commonly required by project owners, general contractors, landlords, and municipalities as a condition of doing business.
Does general liability insurance cover subcontractor work?
General liability policies may respond to claims arising out of subcontractor operations, depending on how the policy is written and endorsed. Contractors are often required to carry additional insured and contractual risk transfer provisions to address subcontractor exposure.
What are completed operations, and why do they matter?
Completed operations coverage addresses claims that arise after a job has been finished, such as property damage or bodily injury caused by completed work. These claims can occur months or years after project completion and are an important exposure for contractors.
How much general liability coverage do contractors typically carry?
Coverage limits vary based on the type of work performed, contract requirements, job size, and overall risk profile. Many contractors carry limits above minimum requirements due to the potential severity of liability claims.
Does general liability insurance cover employee injuries?
No. Injuries to employees are generally addressed by workers’ compensation insurance. General liability insurance typically applies to third-party injury claims, not employee injuries.
What is an additional insured, and why is it important?
An additional insured is a party added to a contractor’s general liability policy for certain claims arising out of the contractor’s work. Additional insured status is often required by contracts and plays a key role in construction risk transfer.
Does general liability insurance cover contractual liability?
General liability policies may provide coverage for certain contractual liability exposures, depending on the contract language and policy terms. Not all contracts or indemnification provisions are automatically covered.
How does general liability insurance work with umbrella or excess liability coverage?
General liability insurance typically provides the first layer of liability coverage. Umbrella or excess liability policies, if properly structured, may provide additional limits once the general liability limits are exhausted, subject to their terms and conditions.
What are common general liability issues contractors overlook?
Common issues include inadequate completed operations limits, missing or incorrect additional insured endorsements, assumptions about subcontractor coverage, and general liability policies that are not coordinated with umbrella or excess liability coverage.
Who Our General Liability Program Is Built For
This program is intentionally designed for contractors who:
- Employ 5–100 people
- Work with multiple GCs and subcontractors
- Are tired of certificate chaos
- Want stronger subcontractor risk transfer
- Have experienced audit frustration or claim issues
- Care about long-term stability, not short-term savings
This program is best suited for contractors focused on risk management and operational alignment rather than price alone.
Let’s Fix the Parts of General Liability That Aren’t Working
If you’re dealing with:
- Coverage gaps you’re unsure about
- Certificate delays or rejections
- Weak subcontractor insurance controls
- Audit surprises
- Claims that feel poorly handled
- Limited safety or risk management support
We can help.
Schedule a General Liability program review
Have your contracts or subcontractor requirements reviewed
Identify coverage gaps before a claim exposes them
This isn’t about buying a policy.
It’s about
having General Liability that actually works when it matters.
Coverage availability, terms, and conditions vary by insurer and policy form. All coverage is subject to underwriting approval and the actual policy language.
