General Liability Insurance
Protection from lawsuits, property damage, and injury claims
What is General Liability Insurance?
General liability insurance protects builders and contractors against legal liability for bodily injury or property damage that may occur during the construction process, including:
Job site injuries
Client property damage
Legal defense fees
Advertising & reputational claims
Completed operations coverage
Who Needs It?
General Contractors
Production Homebuilders
Custom Home Builders
Renovators Adding Major Structural Components
Long-term Protection for Builders and Buyers
Remodelers & Subcontractors
Small Construction Firms
Why It Matters
Required by clients, lenders, and law in many cases
Covers legal fees, damage, injury, and advertising liability
Most commercial contracts require general liability insurance before work can begin — and it protects your business’s future!
Why Use Toolbox Insurance
Affordable, annual policy option
Fast general liability insurance online quote and purchase options
Instant COI (Certificate of Insurance)
Common Questions
Does general liability insurance protect subcontractors?
Yes, general liability insurance for contractors often covers work performed by subcontractors. However, it’s essential that the general contractor ensures all subcontractors carry their own liability insurance.
What specific limits do I need?
Insurance limits vary by client and project. Most commercial contracts require $1 million per occurrence and $2 million aggregate for general liability. Ultimately, the right amount is what gives you peace of mind.
Can I package this coverage with builder's risk, worker’s comp or other needed coverage lines?
Yes, you can sometimes include a stand alone premises liability policy to compliment your builders risk insurance. If you are a contractor, there are package options available for workers compensation and general liability.
Need to file a claim?
Please refer to your policy documents for detailed instructions and contact the carrier listed on your policy to initiate your claim.
Have questions?
Call us at +1 (717) 807-5783, and one of our agents will do their best to assist you.