Contractor General Liability Insurance
Contractor general liability insurance (CGL) protects your business from costly claims, covering third-party injuries, property damage, and the legal costs of defending your work. In many states, general liability is required to become a licensed contractor.
Whether you’re a general contractor, subcontractor, handyman, electrician, plumber, roofer, carpenter, or landscaper, a general liability insurance policy provides the coverage your business needs to take on projects with confidence.
Cost of General Liability Insurance for Contractors
General liability policies range in premium based on risk factors and policy limits but can start as low as $650/year for some contractors.
The cost of CGL insurance depends on several factors:
- Type of work you do
- Business size and revenue
- Number of employees
- Location and job site risk
- Coverage limits and deductible
What Contractor General Liability Covers
Here’s what a standard commercial general liability insurance policy typically covers:
| Coverage Area | Details |
| Bodily Injury | Injuries to non-employees caused by your business operations |
| Property Damage | Damage to third-party property during work activities |
| Personal & Advertising Injury | Libel, slander, copyright infringement, or misleading advertising |
| Medical Payments | Small medical claims regardless of fault (typically limited coverage) |
| Legal Defense | Attorney fees and court costs for covered claims |
What General Liability Doesn’t Cover
While general liability insurance is broad, it does not cover:
- Employee injuries (covered under Workers’ Compensation)
- Professional mistakes or design errors (covered under errors & omissions insurance)
- Intentional acts or illegal activity
- Vehicle-related incidents (covered under commercial auto insurance)
Importance of General Liability for Contractors
Whether you're a solo tradesperson or run a large construction business, contractor general liability insurance is essential to protect your operations, assets, and reputation.
Working in construction or home improvement involves inherent risks. Accidents can happen—whether it's a ladder falling and damaging a client's property, or a visitor getting injured onsite. Without proper coverage, even a single claim can threaten your business's financial stability.
Get Covered With NNA Surety Today
Contractor general liability insurance from NNA Surety provides coverage for accidents, property damage, and third-party claims that might otherwise lead to costly setbacks. Our team makes it simple to match you with a policy that fits your trade and budget. Complete our form or call us for your free quote.