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What is Contractors General Liability Insurance and What Does It Cover?

General liability insurance is a type of insurance that businesses can purchase to protect themselves from certain types of risks. This type of insurance covers third-party injuries, property damage, and some legal expenses. In this blog post, we will discuss what general liability insurance covers and how it can help your business!


There are many different types of risks that businesses face, and general liability insurance can help protect your business from some of these risks. This type of insurance can cover third-party injuries, property damage, and some legal expenses. If your business is sued for any of these reasons, having general liability insurance can help you pay for the costs associated with the lawsuit.


While general liability insurance can help protect your business from some risks, it is important to remember that this type of insurance does not cover everything. For example, general liability insurance will not cover injuries to employees or damage to your own property. If you are concerned about these types of risks, you may want to consider purchasing additional insurance coverage. As a contractor, you are exposed to a variety of risks on a daily basis. From working with power tools and heavy machinery to being on construction sites, there is always the potential for something to go wrong. This is why it's so important to have general liability insurance in place.


General liability insurance (GL) is a type of insurance that provides protection against third-party claims arising from your business operations. This can include things like bodily injury, property damage, personal injury, and more. If you are sued by someone who alleges that they were harmed in some way due to your negligence, your GL policy can help cover the costs of legal defense and any damages that may be awarded. It's important to note that GL insurance does not cover claims arising from your own negligence (e.g. if you injure yourself while working). For this, you would need to purchase a separate policy known as workers' compensation insurance.


GL insurance is an essential piece of the puzzle for any business, but it's especially important for contractors who are constantly working in high-risk environments. If you don't have GL insurance and something goes wrong, you could be on the hook for tens of thousands of dollars (or more) in damages. So, what does general liability insurance cover? Let's take a look at some of the most common types of claims that are covered by GL policies:


Bodily injury

If you or one of your employees accidentally injures someone while working, your GL policy can help cover the costs of medical treatment. This includes things like ambulance fees, hospital stays, and even rehabilitation.


Property damage

If you or one of your employees damages someone's property while working (e.g. accidentally knocks over a vase while carrying equipment), your GL policy can help cover the repair or replacement costs.


Personal injury

If you or one of your employees is accused of libel, slander, or another type of personal injury, your GL policy can help cover the legal defense costs.


Product liability

If you sell products or services and someone is injured as a result, your GL policy can help cover the resulting damages.


These are just a few examples of the types of claims that can be covered by a GL policy. As you can see, this type of insurance provides a broad level of protection for businesses like yours. If you're ready to get started with general liability insurance, the team at Robinsons Insurance Agency can help. We specialize in providing GL coverage for contractors and we can tailor a policy to meet your specific needs. Contact us at (832) 843-2888 today to get started.