IndustriesGeneral contractors
General contractors insurance
General contractors run projects, hire subcontractors and answer to owners and lenders. Contracts usually set the coverage and limits a general contractor must carry, and require the same from every subcontractor.
Risks on the jobGeneral contractors
- Responsibility for the whole job site and everyone on it
- Uninsured subcontractors being charged to your workers' compensation at audit
- Owner and lender contract requirements, including additional insured and waiver of subrogation
- Damage to the project during construction
Coverage commonly carriedCoverage
- General liability. Claims of bodily injury and property damage to others arising from your work.
- Workers' compensation. Medical costs and lost wages for employees injured on the job.
- Commercial auto. Trucks, vans and trailers owned or used by your business.
- Commercial umbrella. Higher liability limits above your general liability, auto and employer's liability.
- Builder's risk. The building or structure while it is under construction, including materials on site.
- Tools and equipment. Tools and equipment on the job site, in transit and in storage.
QuestionsFAQ
Do general contractors need workers' comp if they only use subcontractors?
If your subcontractors carry their own workers' compensation and give you certificates, their payroll is usually not charged to you. Uninsured subcontractors can be counted as your employees at audit.
What should I collect from subcontractors?
A certificate of insurance showing general liability and workers' compensation, with your business named as additional insured where your contract requires it.
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