General Liability Insurance
for Contractors

Affordable Coverage. Protect Your Contracting Business Nationwide.

Why Contractors Need General Liability Insurance

Accidents happen—on job sites, in homes, or with clients. General liability insurance shields your contracting business from the financial fallout of injuries, property damage, and lawsuits. At Affordable Contractors Insurance, we specialize in coverage built for contractors, so you’re always protected and ready for the next job.

What Does General Liability Insurance Cover for Contractors?

General liability insurance is essential for construction and other contract work because it protects your business from:

Injury Claims: Covers injury claims to third parties. (This is separate from Workers’ Comp which covers injury to your workers or subcontractors.)
Property Damage: Pays for repairs if you or your team accidentally damage a client’s property.
Legal Costs: Covers attorneys fees and settlements in case of lawsuits.
Completed Operations Claims: Protects against claims made after the project is finished.

Benefits of ACI’s General Liability Insurance

When you insure with Affordable Contractors Insurance, you get more than just a liability policy – you get a trusted partner who understands your trade.

Same-Day Policy Binding – Get covered quickly and avoid project delays.
Exclusive Rates – Save up to 25% on premiums with custom bundles.
Easy Certificate Requests – Access your certs anytime, anywhere.
Ongoing Support – We help you navigate audits and policy adjustments throughout the year.

How Much Does Contractor Liability Insurance Cost?

Several factors affect your premium, including:

Business Type and Size: Larger companies or higher-risk trades like roofing may pay more.
Location: Insurance costs can vary from state to state.
Claims History: A clean claims record can help lower your premium.

Why Contractors Need General Liability Insurance

Without general liability insurance, a single accident could lead to thousands (or even millions) in damages, putting your business at risk. Many clients won’t hire contractors without proof of coverage—and working without it could leave you personally liable for accidents.

Essential for Bidding on Residential and Commercial Jobs
Meets State and Client Insurance Requirements
Protects Against Lawsuits and Liability

Benefits of Contractor General Liability Coverage

Our policies include everything a modern contractor needs to protect their business from unexpected claims, costs, and legal headaches.

Comply With Legal & Client Requirements

Most states, cities, and project owners require contractors to show proof of general liability insurance before starting work. With an active policy from ACI, you’ll always be ready for bigger jobs and public contracts.

Protect Against Unexpected Accidents

Even the best-run businesses can face accidents. General liability insurance helps cover costs if a client, vendor, or bystander gets injured or if property is damaged on the job.

Win More Projects & Build Client Trust

Show clients and general contractors you’re responsible and ready for business. Having proper insurance gives you a competitive edge and builds trust with new clients.

Peace of Mind for Client Meetings Onsite

Every time a client visits your job site, there’s a risk of accidental injury. With general liability coverage, you can confidently host client walk-throughs and site meetings, knowing you’re protected.

Why Choose Affordable Contractors Insurance?

We make getting insurance simple and stress-free. Our experts guide you through the process and ensure you only pay for the protection you truly need.

Exclusive rates—We only insure contractors!
Fast online quotes and same-day certificates of insurance
Only 20% down to start your policy
Easy certificate requests—100% online
Nationwide coverage for all 50 states

Get Commercial General Liability Coverage Today

Don’t leave your business exposed to lawsuits, accidents, or compliance issues. Get the coverage you need to protect your business and keep operations running smoothly.

Request a Quote in Minutes

Speak with a Licensed Agent

Start Coverage With Little as 20% Down

WhaT Our Clients Say

      
 4.9685 reviews
 4.9
 685 reviews
 
 
 
   
 
 
       Justin D 
 
 
 Trustindex verifies that the original source of the review is Google. Very responsive and quick with anything needed. Great company!
  
 
      Cheyenne A 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with ACI for several years, and they have consistently provided outstanding service. They are, without a doubt, one of the best insurance brokerages for all your insurance needs. Their team is knowledgeable, dependable, and easy to communicate with. What I appreciate most is that they take the time to educate you throughout the process, ensuring everything is clearly explained with no surprises or gray areas.
I would especially like to recognize Christina Bommarito for her exceptional service. She is professional, personable, respectful, and genuinely committed to her clients. You can trust that she'll be there when you need her, and she always goes above and beyond to provide the support and guidance you deserve. I highly recommend ACI to anyone looking for a trustworthy insurance brokerage.
  
 
      Julio R 
 
 
 Trustindex verifies that the original source of the review is Google. Shawn did a phenomenal job helping me with the business insurance for Lone Ranger Roofing. He took the time to shop multiple options and made sure we had the right coverage at a competitive price.

What really stood out was his level of customer service. He even helped me get a roof claim removed from our claims history after determining it was a false claim, which was a huge help.

Shawn was responsive, knowledgeable, and went well beyond what I would normally expect from an insurance broker. If you're a business owner looking for someone who will actually take the time to advocate for you and find the right coverage, I highly recommend Shawn.
  
 
      Rachel L 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience. Easy to talk to regarding boring business stuff. Really went to bat for our small business. Highly recommend especially to small businesses owners. Will be passing his contact information around to any business owner that wants to save money but will receive a quality service and product
  
 
      Keith S 
 
 
 Trustindex verifies that the original source of the review is Google. Great guy very understanding and helps you in every way
  
 
      Greg M 
 
 
 Trustindex verifies that the original source of the review is Google. I ask for a COI and before I can even think about it they have a copy of it sent to me. I love this place.
  
 
      Eduardo L 
 
 
 Trustindex verifies that the original source of the review is Google. El señor Bobby brinda un  excelente servicio 100 % recomendado
  
 
      Thomas H 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian really helped me throughout the process.  Great service and timely responses
  
 
      Bryan M 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian was very helpful and friendly. Provided the prime example of excellent customer service.
  
 
      Sebera S 
 
 
 Trustindex verifies that the original source of the review is Google. Behalf of Sarmiento Concrete, LLC
Kim Haley with Affordable Contractor Insurance has been absolutely amazing to work with! She is always professional, helpful, and incredibly quick to respond whenever I need assistance, especially with Certificate of Insurance (COI) requests. I truly appreciate how dependable and efficient she is—it makes handling our business insurance needs so much easier. **Excellent customer service, and I highly recommend Kim!**

Insurance Coverage by Location

General Liability Insurance
for Contractors

Affordable Coverage. Protect Your Contracting Business Nationwide.

Contractors: Claim Free Insurance Quote

Why Contractors Need General Liability Insurance

What Does General Liability Insurance Cover for Contractors?

Benefits of ACI’s General Liability Insurance

How Much Does Contractor Liability Insurance Cost?

Why Contractors Need General Liability Insurance