What does general contractor insurance cover?

With a tailored insurance package, your coverage typically includes: 

  • Injury claims if workers or visitors are hurt on the job site.  
  • Vehicle accidents, whether transporting materials, tools, or staff. 
  • Claims of defective work or missed deadlines, falling back to contract obligations. 
  • Property losses, including theft or damage to equipment, supplies, or ongoing construction. 
  • Major liability cases that threaten to exceed policy limits. 
  • Subcontractor compliance, ensuring all hired teams have acceptable coverage—limiting liability exposure. 

These coverages are designed to keep your business moving forward—even when unexpected events arise. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.