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Home » General Liability Insurance for Contractors

General Liability Insurance for Contractors


If you own a business in Missouri that specializes in remodeling homes, getting general liability insurance is not just an option—it’s a must. This type of business insurance provides ample coverage for a wide range of activities integral to your trade. Whether it’s interior and exterior carpentry, drywall work, painting, or electrical and plumbing work, general liability insurance has your back. It acts as a safety net, shielding your business from potential financial setbacks that may arise from unplanned incidents or accidents that occur on the job.

So, while you focus on transforming spaces and bringing homeowner dreams to life, let your general liability insurance for contractors handle the uncertainties.

Coverage Provided by General Liability Insurance

General liability insurance for contractors specifically designed to protect businesses from a variety of risks associated with remodeling work. This insurance policy typically covers property damage and bodily injury, which might happen during the remodeling process. For instance, if a contractor accidentally damages a client’s property or if a visitor gets injured on the job site, the insurance can cover the legal expenses, medical bills, and repair costs.

However, it’s also crucial to understand what general liability insurance does not cover. This type of insurance usually doesn’t cover the contractor’s own property or tools, but that coverage can be added for additional premium.

It also doesn’t cover poor craftsmanship or intentional acts. For instance, if the contractor does a subpar job that needs to be fixed or redone, the cost associated with this is not covered by general liability insurance. It’s always a good idea to thoroughly read your policy or consult with your insurance agent to fully understand what is and isn’t covered.

Are Contractors in Missouri Obligated to Have General Liability Insurance?

While Missouri law does not typically require general liability insurance for contractors, it’s important to note that regulations can vary from state to state. Some states necessitate contractors to provide proof of certain types of insurance as part of their licensing requirements. Even in states where insurance is not mandated by law, many clients and project owners often insist on it, ensuring that they are protected against potential liabilities arising from the contractor’s work.

Therefore, although not universally enforced, having general liability insurance is highly beneficial for contractors, providing a critical safety net in the world of construction and remodeling.

In addition to primary contractors, subcontractors also find themselves in situations where proof of general liability insurance becomes a prerequisite for on-site work. Contractors often request this as they want to mitigate any potential risks associated with a subcontractor’s actions.

Hence, even if you’re a subcontractor, maintaining an active general liability insurance policy can be a crucial step in securing work opportunities and building a steady professional reputation in the industry.

Contractor remodeling a home

Determining the Suitable Coverage

A typical general liability insurance policy for contractors carries coverage worth $1 million per occurrence. This means it covers claims up to $1 million for any single event. But the policy doesn’t stop there—it also includes a $2 million aggregate limit, covering multiple claims throughout the policy period. This limit is the maximum amount the insurance company will pay out in one policy term, giving contractors peace of mind knowing they’re protected against a variety of potential mishaps that could occur on the job site.

Whether it’s remodeling, carpentry, drywall work, painting, or electrical, a good general liability policy has got you covered.

Expanding Your Coverage: Equipment and Tools

If your contracting business relies on high-cost equipment and tools, a general liability insurance policy may not provide enough coverage. In such a case, consider adding a rider to your policy. This addition, known as an endorsement, can increase your coverage limit, protecting your expensive tools and equipment in the event of theft, damage, or other unforeseen circumstances.

By customizing your contractors insurance in this way, you further safeguard your business against financial setbacks and ensure smooth, uninterrupted operations.

General Liability Insurance: Your Professional Safety Net

A crucial aspect of any contractor’s business toolbox is General Liability Insurance. This type of business insurance is designed to protect your clients and your business from various types of claims, such as bodily injury, property damage, or even advertising mistakes.

When you show your clients that your business is adequately insured, it not only exudes professionalism but also gives them peace of mind. They gain confidence in your services, knowing they are covered if an unforeseen accident occurs on their property.

Average Cost of General Liability Insurance

The cost of general liability insurance for a contractor with a $1 million policy averages $57 a month. However, it’s important to note that these costs can fluctuate based on several factors. These include the number of employees, the utilization of subcontractors, the business’s total revenue, and the level of risk exposure associated with specific job types.

What information is required for small businesses to obtain a general liability insurance quote?

To secure a quote for general liability insurance, you’ll need to supply certain details about your business. This includes information such as the number of employees in your organization, the extent to which you use subcontractors, and your business’s annual revenue. It’s also important to be clear about the nature of the work your business does. For example, if you work as a home remodeler, do you also provide services for roof repair or replacement? Taking on additional tasks like these can increase your level of exposure and potential opportunities.

The more accurate and comprehensive the information you provide, the more precise your insurance quote will be. This, in turn, ensures that your business is adequately covered for any potential liabilities.

Ready to get a General Liability Quote in Missouri?

Get quote for General Liability Insurance for contractors in the Kansas City area or anywhere in Missouri by dialing 816.453.7722 or simply request a complimentary quote below.

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