General Liability
Third-party bodily injury and property damage on the jobsite — and from your completed work.
Coverage that follows the work — from the jobsite to the project you finished two years ago.
Contractors carry risk that moves from job to job and site to site: third-party injuries, property damage, subcontractor exposure, tools and equipment in transit, and completed-work liability that can surface long after the job is done.
A contractor's program has to follow the work, satisfy the insurance requirements written into your contracts, and keep your crews protected — without the gaps that surface at the worst possible time.
Request a coverage reviewThe core protections we typically structure for businesses like yours:
Third-party bodily injury and property damage on the jobsite — and from your completed work.
Protection for crews exposed to heights, heavy equipment, and physical-labor injuries.
Tools, mobile equipment, and materials covered on-site, in storage, and in transit.
Trucks and trailers — plus hired and non-owned coverage for personal vehicles used for work.
Structures under construction, from foundation through project completion.
The higher limits general contractors and project owners frequently require by contract.
No two operations are identical. If there's a risk specific to your business, we can structure coverage for it.
Talk to an advisorThe details that decide whether a policy actually protects you when it matters:
Many claims arise after a job is finished. Confirm completed operations is included — and stays in force after the project ends.
GCs and owners require specific endorsements. The wrong form can cost you the contract or leave a coverage gap.
Always collect Certificates of Insurance. Uninsured subs fall back onto your policy and inflate your premium at audit.
Misclassified work codes and payroll estimates drive unpleasant surprises at the annual audit.
Watch for carve-outs like residential work, EIFS, or height/depth limits that quietly remove the coverage you assumed you had.
The indemnity language in your contracts may assume risk your policy doesn't actually cover. We reconcile the two.
Most contractors carry general liability, workers' compensation, commercial auto, and tools & equipment (inland marine) coverage, and often add builders risk and an umbrella to meet contract requirements.
An additional insured endorsement extends your liability coverage to the GC or project owner for claims arising out of your work. Many contracts won't let you start the job without it.
Only if completed-operations coverage is included and kept in force. Many construction claims surface months or years after the work is done, so continuous coverage matters.
Tell us about your operation and a specialist will identify your real exposures and structure smart, competitive coverage around them.