General contractor speaking with a customer at a home.

What is General Liability Insurance?

General liability insurance helps protect your business when someone claims you caused an injury or property damage. It’s designed for contractors who work around customers, buildings, and materials where accidents can happen quickly. Instead of paying out-of-pocket for medical bills, repairs, or legal fees, your policy helps cover those costs — so one mistake doesn’t put your business at risk.

It’s designed to protect contractors from common situations like:

  • A customer or bystander getting injured near your work
  • Accidental damage to a client’s home or property
  • A lawsuit claiming you caused a loss
  • Legal defense fees and settlement costs
  • Slip-and-fall incidents around your jobsite

How This Coverage Supports Your Business

When you’re working on rooftops, exteriors, or around customers, risk is always present. General liability insurance provides financial protection and helps you stay job-ready.

It can help you:

  • Avoid paying out-of-pocket for costly claims
  • Provide COIs to start projects faster
  • Stay compliant with client and GC requirements
  • Protect your reputation if a claim is made
  • Keep your business stable after unexpected incidents

With the right general liability coverage in place, you can focus on getting the job done instead of worrying about the “what ifs.” Connect Insurance Group is here to make sure your business stays protected, compliant, and ready for every project ahead.

Frequently Asked Questions

Why is general liability insurance important for contractors?

Is general liability insurance required to work on construction projects?

How do insurance limits work for general liability policies?

What does General Liability Cover?

General liability insurance helps protect your business when accidents cause injuries, property damage, or lawsuits — covering the most common risks contractors face on the job.

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Bodily Injury

If a customer injures themselves in your place of business, this policy can help cover their medical bills.

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Property Damage

Employees sometimes damage customers’ property while delivering products or services. Your GL policy can help pay for the damages.

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Reputational Harm

General liability insurance policies can help cover malicious prosecution, slander, libel, wrongful eviction and violating a person’s privacy.

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Advertising Injuries

Claims of copyright infringement are covered with a general liability policy.

Who Needs General Liability Insurance?

General liability insurance is a must-have for contractors and tradespeople who work on client properties or handle tools and materials that could cause accidental damage. If someone is injured, a customer’s property is damaged, or you’re blamed for causing a loss, this coverage helps protect your business from expensive lawsuits and out-of-pocket costs. This protection is especially important for the industries we support every day — including roofing companies, siding and gutter installers, general contractors, framers, and concrete businesses. Many homeowners, commercial builders, and municipalities require proof of liability insurance before work begins, making it essential for staying compliant and winning more jobs.

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