General Liability Insurance for Contractors

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General Liability Insurance Cost for Contractors

General Liability Insurance Cost for Contractors Contractors’ line of work includes unique risks. Whether you have a storefront to meet with customers or if you’re working in a client’s home, general liability insurance can help protect you and your contracting business from a variety of claims alleging property damage or bodily injury.
 
General liability insurance from The Hartford can help protect you and your contracting business from certain covered losses, including:
 
  • If a customer visits your storefront, falls down, and suffers an injury. With general liability insurance, we can help cover the customer’s medical costs.
  • If one of your employees ends up damaging a customer’s property, general liability insurance can help cover repair costs.
  • If a competitor files a claim against you alleging slander or libel.
  • Be aware that contractor business insurance doesn’t cover liabilities directly arising from the professional services you provide.
Different factors affect the cost of general liability insurance, including:
 
  • The physical size of your business, with larger businesses having an increased rate for general liability insurance.
  • The type of business you own. Contracting businesses can be vulnerable to more risk compared to other businesses. Higher levels of risk can impact your general liability insurance policy.
  • Experience can affect your general liability insurance rate depending on how long you’ve been operating your business.
  • Number of employees can affect your general liability insurance rate. The more employees you have, the larger your contracting business is, which means there’s more risk involved.
  • Location can affect your insurance rates if your business is in an area that’s especially open to risk.
  • Limits and deductibles, with your deductible amount for your policy affecting your rate.
  • Claims history, with clean claims histories yielding lower insurance rates. If your business has a history of submitted claims, it can mean your business is vulnerable to risks and liabilities.

Why Contractors Want Good General Liability Insurance

We’re backed by over 200 years of experience. From small companies to large developments, like the construction of the Hoover Dam and Golden Gate Bridge, we’ve insured numerous construction businesses and projects. Our team is here to help you, whether you have questions on coverage or need help with a claim. We can help propel you, your employees and your business forward.
 

Construction General Liability Insurance

Cheap General Liability Insurance for Contractors A general liability insurance policy is just one part of construction insurance, also known as contractor insurance. Although a general liability insurance policy helps protect your business from claims alleging property damage, bodily injury, and slander or libel, consider other insurances to give your contracting business well-rounded coverage.
 
Commercial property insurance helps protect the location you run your business from, as well as the tools used for your contracting services.
 
Business income insurance helps cover lost income when your business closes due to property damage caused by a covered loss.
 
Data breach coverage helps cover costs associated with your business suffering a data breach. For example, say someone breaks into your business and steals your computer with customer information. Or your business suffers a cyberattack and customer payment information gets stolen. This coverage can help cover your costs to notify impacted clients and public relations efforts.
 

Who Needs Construction Insurance

Whether your business is in heavy construction, building construction or home improvement, a general liability insurance policy can help protect different types of businesses in the construction trade.
 
The Hartford’s General Liability Insurance helps cover:
 
  • Contratistas
  • Carpenters
  • Plomeros
  • Handymen
  • Electrical Contractors
  • Masons
  • Security Companies
  • Homebuilders
  • Desarrolladores
  • Home Renovation

Get General Liability Insurance for Construction

General Liability Insurance for Contractors We’re here to help answer your questions and choose the right insurance policy that addresses your construction business’s unique needs. Our insurance specialists can tell you more about how The Hartford’s broad portfolio of seguro de negocio coverage helps protect your business. Our dedicated team can also help you learn more about our Póliza para propietarios de empresas, which you can tailor to your specific business. Get a general liability insurance quote hoy mismo o llame al  855-829-1683 to learn more about how you can protect your business and employees.
 
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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