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Contractors Liability

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Contractors Liability

Whether you’re an artisan contractor or a builder we have the right coverage for your needs.

At G-Fox Insurance, we work closely with contractors to ensure compliance with builder and project requirements by structuring coverage tailored to each operation. Essential for securing contracts and winning bids, a standard policy provides protection for job-site incidents, with specialized endorsements available for tools and equipment (inland marine), completed operations, and professional liability exposures. 

Coverages offered:

  • General Liability: Covers Third party bodily injury (e.g., a client trips over tools) and property damage (e.g. a plumber breaks a water pipe).
  • Completed operations: Protects against injuries or damage that occur after a project is finished.
  • Tool and Equipment (Inland Marine): Covers repair or replacement of tools/materials stolen or damaged on-site or in transit.
  • Workers’ Compensation: Covers medical expenses and lost wages for employees injured on the job.
  • Commercial Auto: Covers vehicles used for business purposes.
  • Professional Liability: Protects agains negligence, errors, or omissions in design or advise.

General questions

Frequently asked questions.

While not always legally mandated by states for all, it is almost always required by clients, general contractors, and for licensing.

It generally does not cover your own injuries, damage to your own property (unless specialized), intentional acts, or faulty workmanship on your own work.

A document proving you have active coverage, often required before starting a project.

Yes. Accidents can happen regardless of company size, potentially exposing personal assets to lawsuits.

Do you have any questions?