Build the project. Understand the liability around it.
A contractor's work can affect clients, visitors, neighboring property, and other trades. General Liability is one part of evaluating certain third-party claims throughout a project's life.
Request a General Liability Quote
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General Liability may address certain third-party bodily injury, property damage, and personal or advertising injury claims, subject to policy language. The work performed, project type, jobsite access, subcontractor arrangements, and completed-operations terms all matter. Coverage for the cost to repair or replace a contractor's own faulty work may be limited or excluded.
Owners and general contractors may require particular limits, endorsements, or certificates before work begins. A certificate summarizes insurance information but does not amend a policy. Compare contract language to actual forms and endorsements, and review how each project type is described to the insurer.
Bring the contract and the jobsite into focus
A clear description of your operation makes it easier to discuss relevant options and requirements.
Questions worth asking
A few useful points to bring into a conversation with a professional.
Does General Liability cover faulty workmanship?
A policy may exclude or limit costs to repair the insured's own work. Coverage depends on the claim, policy wording, and circumstances; review completed-operations terms carefully.
Is a certificate of insurance proof that a contract is fully satisfied?
A certificate is informational and does not change policy terms. Compare the actual policy and endorsements with the contract requirements.
Should subcontractors be included in the review?
Yes. Their work, agreements, insurance, and oversight can affect the contractor's exposure and underwriting review. Keep current documents organized.