Contractor General Liability

Whether you specialize in commercial construction or residential construction, we have the right contractor's general liability insurance coverage to protect you from the risks specific to your operations. With our detailed knowledge of construction insurance, and large selection of quality insurance carriers to choose from, we can help you find the best solution for your general liability needs.


General Liability Insurance for Contractors

When you want to protect your construction business from the threat of lawsuits arising from third-party bodily injury and property damage claims, you need general liability insurance you can count on.

General Liability can provide coverage to a contractor in the event of a third-party lawsuit arising from:

  • Product and Completed Operations
  • Premises Liability
  • Personal and Advertising Injury

General Liability Insurance provides comprehensive protection when an unintended accident or injury occurs. It can provide valuable defense coverage for your business when you need it most.


Class A & B, Residential & Commercial General Contractors

We understand that residential construction insurance is in many ways different from commercial construction insurance. Here at Beach & O'Neill Insurance Associates we have the market experience to find the best product for your business based on your specific and unique contracting exposures.

We are qualified to discuss the types of insurance specific to both Residential and Commercial General Contracting Risks including:

  • Use of Owner Controlled Insurance Programs (OCIP)s and related WRAP and Project Specific Policies to cover designated projects
  • Premises liability coverage for project owners like LLCs
  • Commercial builders risk coverage for projects under construction
  • Transfer of risk by use of insurance endorsements and proper insurance language in written contracts and agreements
  • Bonding requirements including payment and performance bonds
  • Special coverage considerations including pollution liability, design build coverage, and employement practices liability insurance.


Class C & D, Residential & Commercial Subcontractors

We have multiple programs for trade contractors specializing in residential and commercial construction. We write coverage for contractors performing nearly every type of trade including difficult to place classes such as roofing, framing, or scaffold erection. For popular trades like painting, electrical, flooring, drywall and many others, our market choices for coverage are extensive. Some of our most popular programs include:

  • Programs for subcontractors working on tract homes
  • Coverage for subcontractors performing design/build like fire sprinkler, mechanical or electrical trades
  • Completed operations additional insured endorsements for both residential and commercial applications

We are also able to assist with understanding:

  • Bonding requirements including payment and performance bonds
  • Special coverage considerations including pollution liability, design build coverage, and employment practices insurance.
  • Review of contractual insurance requirements from prime contractors or developers
  • Review of OCIP manuals, policies and OCIP addendums for subcontractors participating in WRAPs


Covering Your General Liability Needs

Whether you specialize in residential remodeling, new residential construction, commercial tenant improvements, commercial new construction, environmental contracting, or multi-family construction, we have a broad selection of quality products to protect you and your business. Let us help you determine the right construction insurance coverage for your business.