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Importance of General Liability Insurance for Contractors

Updated: Nov 10

As an independent contractor, you may have smaller business but it is still highly important to have general liability insurance for contractors to protect your business.

Liability claims are expensive and one big liability claim can crush a small business that doesn’t have insurance as a safety shield. If you don’t have general liability insurance, you have need to pay for pricey claims against your business with your own money.

General liability insurance for independent contractors

Most independent contractors in the construction industry need general liability insurance. Without general liability insurance, independent contractors won’t be able to get construction jobs. Many clients require construction contractors to have general liability insurance before agreeing to do business.

The state requires general liability insurance for independent contractors. State regulators sometimes demand independent construction contractors to carry general liability insurance.

Construction workers visit job sites and interact with clients in person, so business liability insurance is a good fit for independent construction workers.

What does General liability insurance for independent contractors cover?

General liability insurance for independent contractors can help in covering claims of:

  • Property damage or bodily injury that your business causes.

  • Advertising injury such as infringement of copyright in your advertising.

  • Harm to reputation as a result of malicious prosecution, slander.

It is very important to have general liability insurance for independent contractors because they can be sued easily just like some other small business. When you don’t have coverage and a client or customer sues you, you will have to pay the costs out of pocket and that can be quite enough put locks on your business.

Who needs general liability insurance ?

  • Plumbers

  • Independent construction contractors

  • Carpenters

  • Electrical contractors

  • Painters

  • Repair contractors

  • House and carpet cleaners

  • Freelance editors and writers

  • Graphic designers

  • Independent hair stylists and salon professionals.

How to get cheap general liability insurance for contractors ?

Looking how to get cheap general liability insurance for contractors, there are two methods:

  • From your client:

Your client can add you to their general liability insurance for contractors as an additional insurance. This covers you while you do the job.

  • From an insurance provider:

The most cost-effective option for your clients is getting their own coverage.

Final thoughts:

Contact Business Insurance Market. They offer independent contractor liability insurance which is a type of general liability insurance. This coverage can help protect your business from certain liability claims.


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