General Liability

General Liability insurance is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. 

This insurance is not required by law, but if you have a business, it is strongly recommended, as one single accident could result in a lawsuit that you might not be able to handle on your own.

If you are a contractor, this is often the most common policy you will be required to carry in order to get accepted for a project. Also, if you are passing any work down to subcontractors, it is important to make sure they have their own General Liability policy, otherwise, your business will assume any liability caused by your uninsured subs. Most general liability policies will allow you to include coverage for your tools and some contractor's equipment, making it very simple to add this extra coverage at a very low cost.