Contractor's Insurance

From General Liability to specialty coverages, Family Insurance has the ideal plan for electricians, plumbers, HVAC, carpenters, painters, landscapers and more.

What Insurances Do Contractors Need?

While there are many kinds of insurance meant to fit very specific circumstances, all contractors start with a General Liability policy. The main function of General Liability insurance for contractors is to protect the owners and operators from lawsuits which can arise from things like:

Liability From Accidents
Contractual Liability
Products Made by the Insured
Liability Caused by the contractor’s Employee(s)

Most contractors find that General Liability insurance is sufficient coverage for the level of risk they are willing to accept. If your business has a special circumstance, our contractors insurance specialists are ready to build you a custom plan to perfectly meet your needs and provide the best value the market has to offer!

To Sum It Up

General Liability Insurance for Contractors is primarily used to protect your business from third party lawsuits that come from property damage and/or bodily injury that has occurred due to the negligence of your business or one of its employees. These potential lawsuits for bodily injury, property damage and personal/advertising injury can be sustained while a construction operation is underway or they could come years after the project is complete.

Want to Know More

For Many contractors, General Liability Insurance provides the coverage they need to operate their businesses with peace of mind. If you want to know more about the types of insurance available to contractors, you can read more in our blog: What types of Contractor’s Insurance are Available?

What Does Contractor's General Liability Cover?

General Liability insurance for contractors protects your business from some of the most common types of claims.

Bodily Injury Liability

Provides coverage for bodily injury caused by the insured or an employee at a client’s job site, business or home as well as for property damage to a third party’s property.

Bodily Injury Example

As an example, if you or your employee are working inside a customer’s home or business and leave an extension cord laid out that later plays a part in the customer’s uncle tripping and breaking his leg. Since the extension cored was yours and a third party is hurt, it’s your fault!

Property Damage Liability

Accidents happen and most can be resolved directly, however when you or your employee cause a large amount of damage to another person’s property, this coverage will kick in.

Property Damage Example

Continuing our same example from above, instead of causing a relative to trip, your employee is pulling on an extension cord that seems to have a snag. The employee gives a firm tug and you hear a crash in the adjoining room and find a self with several art pieces has tipped over. Since your cord and your employee were involved in the breaking of third party’s property, you are at fault!

Products & Completed Operations

This provides liability coverage for both your products and work competed away from your premises once business operations have been completed.

Products & Completed Operations Example

If you or one of your employees fixed a hand rail in a customer’s stairwell and the following week the hand rail came loose causing the customer to take a tumble or similarly, if you sold the client a chair your company made and while sitting down the leg broke causing injury, you could be at fault!

Family Insurance is Right for Contractors

The Right Coverage

Every policy is tailored to your company's exact needs. Our team is full of experts who actually listen to your concerns and what you hope to get out of your Contractors Insurance.

Quick Certificate (COI) Delivery

We prioritize delivering your Certificate of Insurance (COI) in a quick and timely manner. No more waiting weeks like with other companies!

Quality Claims Process

When handling claims, we believe you have a right to excellent communication. We work hard to keep you in the loop when handling claims and communicate with you every step of the way.

Need More Help with Contractor's Insurance?

If you still have questions about contractor’s insurance, we would love to spend some time getting to know you and your business so we can help you get insurance at unbeatable values. Please use one of the options below to start a conversation with one of our contractor insurance experts.