Contractors Insurance

General Contractor Insurance

Coverage built for general contractors — subcontractor exposure, project size, and additional-insured requirements.

What this coverage is intended to address

✓Third-party bodily injury and property damage arising from the GC's operations
✓Allegations arising from the work of subcontractors (subject to policy form)
✓Completed-operations claims after project turnover
✓Additional-insured language for project owners, GCs, and lenders

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most general contractor operations consider one or more of these coverage types:

General Liability

Tools & Equipment (Inland Marine)

Commercial Auto

Workers Compensation

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A subcontractor on a GC's job damages a homeowner's landscaping. The GC's general liability policy is generally intended to respond in the event of a covered claim, subject to the policy form.
Six months after a custom-home turnover, the homeowner alleges water intrusion. Completed-operations coverage is generally intended to address allegations of this type.

Frequently asked questions

Do I still need my subs to carry their own insurance?

Yes — most GC policies expect subs to carry their own coverage and name the GC as additional insured. Failing to collect sub COIs can trigger higher GC premiums at audit.

What about residential vs. commercial work?

Many policies distinguish between residential and commercial. New residential construction (especially custom homes) is harder to place and may require a specialty carrier.

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