Contractors General Liability
Contractors General Liability Insurance
Contractors general liability protects your business from third-party claims of bodily injury and property damage arising from your work — a bystander injured on a job site, or damage to a client’s property while you’re working. For contractors, it’s more than protection: it’s a business requirement. Most general contractors, project owners, and municipalities won’t let you bid or start until you can show coverage and often list them as an additional insured. Covella helps trades across Ohio, Indiana, and Kentucky get the right limits fast.
Comprehensive Contractor Liability Coverage
What it covers
third-party bodily injury and property damage · completed- operations claims · legal defense · additional-insured endorsements for GCs and owners.
Who needs it
general contractors and subcontractors across every trade — carpentry, electrical, HVAC, plumbing, roofing, concrete, remodeling, and more.
Cost factors
trade and risk level, revenue/payroll, and required limits.
Frequently asked questions
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
What liability limits do general contractors usually require?
Commonly $1M per occurrence / $2M aggregate, but it varies by contract — we’ll match your coverage to the requirement.
Can you add a GC as an additional insured?
Yes — we issue additional-insured endorsements and certificates so you can start the job without delay.
Ready to talk? Send your resume to info@covellains.com or call (513) 489-6422.