General Liability for Contractors
General liability is the foundation of every contractor's insurance program — covering third-party bodily injury and property damage from your contracting operations, job site presence, products, and completed work. For contractors with professional service scope, GL coordinates with professional liability to provide comprehensive coverage across the construction defect and professional negligence claim spectrum.
What it covers
- Third-party bodily injury arising from your contracting operations and job site presence
- Third-party property damage caused by your contracting work
- Completed operations liability — bodily injury and property damage claims after project completion
- Products liability for materials and equipment you supply as part of your contracting scope
- Personal and advertising injury claims
- Defense costs for GL-covered claims
- Additional insured coverage for project owners, developers, and upstream contractors as required by contract
Who it's for
- General contractors on commercial, industrial, institutional, and residential projects
- Construction managers requiring GL as a primary contract requirement
- Specialty contractors required to carry GL by GC contracts and project requirements
- New contracting businesses establishing their insurance program
- Contractors whose project owner contracts specify minimum GL limits and endorsements
Why CCA
- GL structured to coordinate with your professional liability — no finger-pointing between insurers on claims that cross the boundary
- Additional insured endorsements meeting ISO CG 2010/2037 and blanket AI requirements — same-day certificates
- Completed operations coverage maintained for the statute of repose period in your project states
- Carriers experienced with contractor GL — not generic commercial accounts written alongside auto dealers and restaurants
- Limits and endorsements structured to meet your largest project contract requirements
Common questions about general liability
GL covers physical harm — bodily injury and property damage from construction operations. Professional liability covers financial harm from professional service failures — design errors, specification mistakes, professional negligence. A worker injury on the job site is GL. A structural specification error that requires demolition and rebuild is professional liability. Both are essential.
$1M per occurrence / $2M aggregate is the standard minimum. Large project owners, public agencies, and owners of major commercial projects commonly require $2M per occurrence or $5M total. Umbrella coverage provides cost-effective access to higher total limits. We structure GL and umbrella together to meet your largest contract requirements.
GL covers property damage from construction defects — the physical damage caused by your defective work to third-party property. It does not cover the cost of repairing your own defective work (that is a business obligation, not an insured loss). For contractors, the distinction between a GL construction defect claim and a professional liability professional negligence claim matters significantly — we help you understand where the line is.
Yes. Contractors Choice Agency holds licenses in all 50 states and writes contractors professional liability programs coast to coast. NPN 8608479.
We work with AM Best A+ rated specialty carriers with proven appetites for construction professional liability risks. Carrier selection depends on your specific operation, project types, professional service scope, and state.
Contact us immediately at 844-967-5247. We provide 2-hour claims response during business hours and will guide you through notifying your carrier, preserving documentation, and protecting your coverage position from the first day of a claim.
Yes. Monthly payment plans are available through most carriers and premium finance options. We walk you through payment options when presenting your professional liability quote.
Founded in 2005 — over 20 years insuring specialty contractors. Contractors professional liability programs have been a core focus throughout our history as contractor project delivery methods have evolved.
Basic information needed: business name, years in operation, annual revenue, project types and sizes, professional service scope (design-build, CM, design-assist, value engineering), states you work in, current E&O coverage if any, and claims history for the past five years.
Yes. New contracting firms can obtain professional liability coverage, though the retroactive date will be the policy inception date with no prior acts coverage initially. Coverage builds as you renew. We explain how this affects your protection and what to watch for in your first few years.
We are experienced with project-specific professional liability requirements — minimum limits, project-specific endorsements, additional insured language, and retroactive date provisions. Tell us what your contract requires and we will confirm your policy meets those requirements before binding.
Yes. Professional liability coverage typically applies wherever you perform professional services. Workers compensation requires separate state filings where you have employees, but professional liability follows your operations nationwide.
844-967-5247, Monday through Friday 8am to 5pm Mountain Time.
12220 E Riggs Road Suite #105, Chandler, AZ 85249. We serve contractors nationwide by phone and online.
josh@contractorschoiceagency.com. We respond to professional liability quote requests within 15 minutes during business hours.
Yes. Submit the online quote form at contractorsprofessionalliabilityinsurance.com/quote and we will respond within 15 minutes during business hours. For fastest service, call 844-967-5247 directly.
Yes. We help manage certificates of insurance for your subcontractors and issue certificates to project owners as required by your contracts — including professional liability certificates with the specific language and limits your project owner requires.
Pair it with related coverage
Get Your Contractors Professional Liability Insurance Quote
E&O, professional liability, and design-build coverage for general contractors, construction managers, and specialty firms — nationwide.