Contractors General Liability – Call Today for No Obligation Information & Quote
At Contractors Choice Agency, we understand how important it is for you to be prepared. That's why we offer comprehensive General Liability insurance designed specifically for contractors. Let us help you protect your business from anything that might come your way.
Call Now: 844-967-5247 or 844-WORK-247
Why You Need General Liability Insurance
- Needed for bidding jobs/projects - Can't even submit a bid without it
- Gives credibility with customers - Shows you're a professional operation
- Competitive advantage - Stand out from uninsured competitors
- Affordable coverage options - Flexible limits and deductibles to fit your budget
Coverage Options & Limits
Available Coverage Amounts:
- $50,000 per occurrence
- $100,000 per occurrence
- $300,000 per occurrence
- $500,000 per occurrence
- $1,000,000 per occurrence (most common)
- $2,000,000 per occurrence
- $5,000,000 per occurrence
Flexible Deductibles:
- $500
- $1,000
- $5,000
- $25,000
Policy Features:
- A+ Rated Insurance Companies
- Occurrence form (not claims made)
- Special enhanced endorsements for contractors
- 10 equal monthly payments available
What's Covered
1. Bodily Injury and Property Damage Liability
Protection when your business operations cause injury to others or damage their property. This excludes employee injuries (covered by Workers' Comp).
2. Products-Completed Operations
Crucial coverage for work done off-premises. For example, if a staircase railing you installed fails months after completion, this coverage protects you from resulting claims.
3. Personal and Advertising Injury
Covers non-physical injuries like:
- Libel and slander
- False arrest or detention
- Invasion of privacy
- Copyright infringement in advertisements
4. Medical Payments
No-fault coverage for minor injuries on your premises or due to your operations. Helps avoid lawsuits by covering immediate medical costs.
5. Damage to Premises Rented to You
Protection for fire damage to premises you rent or occupy for 7 days or less.
Coverage Options
We offer flexible coverage to meet your specific needs:
- Policy Limits: $50,000 to $5,000,000 (including $100,000, $300,000, $500,000 options)
- Deductibles: $500 to $25,000
- Policy Forms: Occurrence (recommended) or Claims Made
- Additional Endorsements: Tailored for contractor-specific risks
Important Policy Information
Claims Made vs. Occurrence Policies
We strongly recommend Occurrence policies for contractors. Here's why:
- Occurrence: Covers claims that happen during your policy period, even if reported years later
- Claims Made: Only covers claims both made AND reported during the policy period
- Claims Made policies require expensive "tail coverage" when cancelled
Why Choose Contractor's Choice Agency?
- 20+ years specializing in contractor insurance
- Licensed in 50 States to serve you wherever you work
- Industry expertise - We understand your unique risks
- Fast quotes - Often within 15 minutes
- Competitive rates from A+ rated carriers
Read our welcome blog post to learn more about our commitment to contractor insurance, and explore our comprehensive resources for additional coverage information.
Get Your Quote Today
Don't let a lack of insurance cost you jobs or put your business at risk. Contact Contractor's Choice Agency for a free, no-obligation quote.
Call Now: 844-967-5247 or 844-WORK-247
Email: info@contractorschoiceagency.com
