The General Contractors Insurance Policy


In the field of construction, the general contractors act as a traffic director in a project. With all this responsibilities, comes certain liabilities to help in protecting your business. The general contractors need some types of insurance policies that will ensure their protection from accidents which might happen on the job.

A few of the insurance responsibilities of the independent contractors at will fall under the control of a general contractor. We all know that it is not possible to be in all places at the same time, therefore accidents can happen whether or not you are watching everything. It would be very bad if your business came crushing down because of an accident after you had worked so hard to build it. And with the ever-growing cost of medical bills as well as the growing number of lawsuits, it is very important for a contractor to have risk control services to completely cover you.

The two main insurance policies that a general contractor should have are, the general contractor liability insurance and the contractor’s workers compensation insurance.

The system of contractors workers compensation insurance at was designed for helping both the employer and employees. The workers compensation acts with a no fault system. Meaning the accident is neither the fault of the employer or the employee. This is good system which helps the claims move along while stopping any frivolous claims.

If employees are injured while on the job, they will be paid their benefits by the contractors workers compensation insurance. This includes both immediate injury and long term illnesses gained at work. Medical and wage benefits are some of the benefits which is paid by the workers comp.

The workers comp is not used in all the states. Even though you might not be required to get a workers comp coverage, it is a very important policy to have for the protection of your company. To get more tips on how to choose the best insurance, visit

The liability insurance is designed to help in paying for the costs incase property damage or bodily injury happens to a third party. Insurance companies are liable to pay for medical bills as well as litigation costs associated with this claim. Some of the liabilities insurance companies protects contractors from include, bodily injury, property damage, personal injury, advertising injury and so forth.

Irrespective of the kind of industry you are working in, it is very important to have an insurance coverage to help in the protection of you, your employees and your business. The workers compensation and liability insurance laws change on a regular basis. Therefore, team up with a good professional who will ensure you get the right coverage.

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