As a contractor, you face a variety of risks on a daily basis. From accidents involving workers or clients to damage to property, these risks can lead to costly lawsuits and financial losses. That's why it's essential to have general liability insurance, which protects your business from these liabilities.

What Does Contractors General Liability Insurance Cover?

Contractors general liability insurance typically covers the following:

• Bodily injury: This coverage pays for medical expenses and other damages if someone is injured on your job site or as a result of your work.

• Property damage: This coverage pays for damage to property that occurs as a result of your work, such as if you accidentally damage a client's home or business.

• Personal and advertising injury: This coverage pays for damages if you are accused of libel, slander, or other types of non-physical harm.

Why Do I Need Contractors General Liability Insurance?

There are a number of reasons why you need contractors general liability insurance, including:

• To protect your business from financial losses: Lawsuits can be expensive, and even if you win a lawsuit, you may still have to pay legal fees. General liability insurance can help to cover these costs and protect your business from financial ruin.

• To meet contractual obligations: Many contracts require contractors to have general liability insurance. If you don't have the required coverage, you could be prevented from bidding on or working on projects.

• To protect your business from lawsuits: Even if you are not at fault for an accident, you can still be sued. General liability insurance can help to defend you against these lawsuits.

• To give you peace of mind: Knowing that you have general liability insurance can give you peace of mind and allow you to focus on your work without worrying about potential lawsuits.

How to Choose the Right Contractors General Liability Insurance Policy

When choosing a contractors general liability insurance policy, it is important to consider the following factors:

• The type of coverage you need: What types of risks does your business face? Do you need coverage for bodily injury, property damage, personal and advertising injury, and other optional coverages?

• The limits of the policy: What are the coverage limits of the policy? Will the policy provide enough coverage to protect your business in the event of a loss?

• The deductibles of the policy: What are the deductibles of the policy? How much will you have to pay out of pocket before your insurance coverage kicks in?

• The exclusions to the policy: What are the exclusions to the policy? Are there any types of losses that are not covered by the policy?

It is also important to read the fine print of any contractor’s general liability insurance policy before you purchase it. This will help you to understand the coverage that is offered, the exclusions, and the claims process.

Why Choose Deerfield Advisors for Contractors General Liability Insurance?

Deerfield Advisors is an independent insurance agency that specializes in contractors’ general liability insurance. We have a team of experienced and knowledgeable insurance agents who can help you find the right policy for your needs and budget.

We also offer a variety of discounts, including:

• Multi-policy discounts: If you have other insurance policies with Deerfield Advisors, you may be eligible for a multi-policy discount.

• Good safety record discounts: If your business has a good safety record, you may be eligible for a good safety record discount.

• Experience discounts: We offer discounts to experienced contractors.

• Industry discounts: We offer discounts to contractors in certain industries.

Contact Deerfield Advisors Today for a Free Contractors General Liability Insurance Quote

If you are interested in getting a free contractors general liability insurance quote from Deerfield Advisors, please contact us today. We can help you find the right policy for your needs and budget.