Affordable General Liability Insurance for Contractors

Protect Your Business from the Unexpected

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 understand the specific risks contractors face and provide policies designed to keep your business secure and compliant.

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 attorney fees and settlements in case of lawsuits.
Completed Operations Claims: Protects against claims made after the project is finished.

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

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.

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.

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.