General liability for contractors, explained.
The coverage owners and general contractors require before you bid or break ground, with the exact endorsements your contracts ask for.
General liability responds to third-party bodily injury and property damage from your work, and almost every general contractor, owner, and public agency requires it before you start. We fit the limits and endorsements to your contracts and explain what is and is not covered.
What to know about contractor general liability
The limits GCs require
Most contracts ask for $1M per occurrence and $2M aggregate, rising to $2M/$4M on larger and public work. We match your coverage to the contract.
Additional insured matters
GCs usually require you to name them as additional insured with the right endorsements, such as ongoing and completed operations. Being a certificate holder is not the same thing.
It is not the CSLB bond
Liability protects against claims; the $25,000 license bond is a separate requirement that protects your customers. Most contractors need both.
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General liability questions we hear
Is general liability required by law?
It is not state-mandated for most sole owners, but virtually every GC, owner, and public agency requires it by contract before you can work. In practice you need it.
What is an additional insured endorsement?
It extends your coverage to protect a GC or owner for a job. We add the exact endorsement your contract asks for, the same day on an active policy.
How much does it cost?
It depends on your trade, payroll, and limits. We shop several carriers and explain the options. Ask us for a free quote.
Get general liability quoted
Send us your contract requirements. We will match the coverage and explain it.
(714) 421-4658 · info@doneforyouins.com