Contractor insurance is the foundational protection every licensed contractor needs before stepping onto a job site. The core coverage is commercial general li…
Contractor insurance is the foundational protection every licensed contractor needs before stepping onto a job site. The core coverage is commercial general liability (CGL), which protects you from third-party claims of bodily injury and property damage arising from your work — a client trips over y…
Most GCs require minimum $1,000,000 per occurrence / $2,000,000 aggregate, plus additional insured status on a primary and non-contributory basis. Government and large commercial projects may require $2,000,000 per occurrence. Always review the contr…
No. GL only covers liability claims — damage to other people's property. Your own tools require an inland marine or tools and equipment policy. A separate tools floater protects equipment from theft, fire, and accidental damage.