Contractor General Liability Insurance

Protect Your Business from the Unexpected

Litigation has increased dramatically in the past decade, and protecting your business from potential risks is a necessity. 

If you’re a Contractor, Manufacturer, Wholesaler, Retail Store, Property Owner, Restaurant, Garage, or any type of business operations located along the North Shore or Greater Boston surrounding area, you can count on LoPriore Insurance to provide you with a General Liability insurance policy that will properly protect you.

Massachusetts General Liability Insurance Quote Options

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What is General Liability insurance?

Commercial general liability insurance is a policy that covers the costs of bodily injury, property damage, and advertising damage claims made against your business. It can help you pay for related medical costs, damages, and even legal fees. This type of insurance is designed for businesses like those in the construction industry, where workers face high risks of accidents and injuries.

General liability insurance protects businesses with many stakeholders, whether contractors or carpenters or customers. Also known as contractor’s insurance, this type of policy offers liability coverage for customer injuries, property damage, libel, slander, and other similar risks that may arise within your business.

Why do I need liability insurance in Massachusetts?

Contractor general liability insurance isn’t required by law. However, proof of liability insurance is often part of the contractor’s qualification process when bidding on a contract. Additionally, it’s a great way for any business to avoid significant financial loss in the event of a lawsuit. When it comes to contractor’s work, you never know when accidents or injuries may occur, so many such businesses choose to protect themselves this way.

Due to the nature of the construction industry, general liability insurance in MA is essential to keep you protected from financial burdens that may occur due to accidents or other issues and ensure that your assets remain safe on site. All in all, this insurance policy gives you assurance and peace of mind that your valuable possessions and employees are well-protected in case of any unforeseen circumstances.

Who needs liability insurance in MA?

All business owners can benefit from purchasing a general liability insurance policy to protect from potential liability claims. It often comes with property coverage when you get a Business Owner Policy (BOP) since all businesses are vulnerable to risk in one way or another.

Some situations require contractors to carry general liability insurance. You must have general liability insurance to obtain some professional licenses (like a general contractor license), bid on certain jobs (especially government contracts), and lease commercial property.

Massachusetts law requires a contractor license. As mentioned, one of the situations where general liability insurance is required is for obtaining a professional license.  Thus, you will need to get liability insurance in order to receive your initial license.

Another time a policy like this might need to be in place is if you are taking out a loan. Your lender may ask for this safety precaution. Similarly, if you were to rent a place to stay in, you may need to get liability insurance to reassure your landlord.

General liability insurance coverage details

Many contractors face a high amount of liability risks at the worksite, including worker injury and property damage. Personal injury, advertising injury, and completed products can also carry dangers of liability claims. Contractor general liability insurance protects you from these risks.

The policy provides coverage for bodily injury and property damage in the event the insured is legally responsible.

Bodily injury claims refer to incidents where third-parties sustain injuries from accidents that happen within your business premises or where your employees may be working. It also includes slip and fall accidents that customers may suffer, but does not include cases where employees suffer such injuries. A different type of insurance policy covers those kinds of claims.

Liability insurance also covers property damage, for when your business damages third parties’ properties. Some policies may also offer coverage for product claims, which refer to damages, injuries, or inconveniences caused by your products or services.

General liability also provides coverage for liability arising from personal injury and advertising injury, medical expenses, accidents occurring on the premises or away from the premises and products, or completed operations. Also, coverage includes legal defense costs.

Personal injury or advertising injury

This coverage is designed for injuries other than bodily harm, including false arrest, malicious prosecution, invasion of privacy, and reputation damage. Advertising injury refers to harm caused by an advertisement such as libel or slander.

Products and completed operation injury

When damages occur related to items manufactured, sold, or distributed by your business, this policy provides coverage for the accumulated costs. It also provides coverage for completed operations. This is for when work is completed, built, installed, or distributed for the intended use.

Medical payments

This provides coverage for medical expenses related to a bodily injury that occurred on the premises owned or rented by your business. It also covers injuries related to your business operations. No party is liable for the medical claim payment.

Fire damage limit

This provides coverage for fire damages to rental premises due to the negligence of the insured.

Liquor liability

Liquor liability is important for any business involved in alcoholic beverage manufacturing, sales, or distribution. It provides coverage if bodily injury or property damage is caused by an individual you’re legally responsible for contributing to the intoxication.

Additional charges include furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol and violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.

Get Massachusetts general liability quotes

These policies do not come at a set price. The cost will vary based on many factors, with one important factor being the amount of risk associated with your business. Annual premiums range from $300 to $5,000.

For most businesses, liability insurance with $1 million or $2 million of total coverage will generally suffice. However, this works on a case-to-case basis as it ultimately depends on the nature of your business, the number of employees you have, your location, coverage limits, and such. That said, the large majority of companies can secure adequate liability insurance with premiums costing less than $1,000 annually.

If you are interested, you can start by requesting a business quote. After filling in a few details to gauge the type of policy that you need, our agents will contact you to help you find the most suitable option. Rest assured, our team is available to tend to your queries 24/7 to provide you with instant insurance quotes.

Why choose LoPriore for Massachusetts GL insurance?

Our agents are experienced and knowledgeable with all of our insurance partners and can answer any questions or queries you may have. Here at LoPriore, we put value in helping each of our clients find the right insurance policy to suit their needs and budget requirements.

Take charge of your business now by getting liability insurance to protect you and your assets. Our team can compare quotes from different providers, allowing you to find the best policy.

At LoPriore, we take pride in delivering quality customer service and quick insurance quotes. We know that the process can be tedious, so we want to eliminate the stress and hassle involved in selecting an insurance policy. Allow us to do the shopping for you, and save you precious time.

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Tailored To Your Business

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Get Insurance Coverage Tailored To Your Business

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Contractor General Liability Insurance FAQs

Your policy doesn’t automatically provide coverage for poor workmanship. However, some insurance companies offer optional coverage for this at an additional cost.

A general liability policy typically covers you and your employees for the scope of your business operation. It doesn’t automatically cover additional independent contractors. Still, you may have the option to temporarily add independent contractors to your policy as additional insured. Alternatively, you can require your contractors to purchase their general liability through a contractor’s policy, listing you as the additional insured.

For a property damage claim, a deductible is required. The amount of your deductible may be directly related to the cost of your monthly premium. For instance, if you have a low monthly premium, you may have to pay a higher deductible.

The cost of your policy depends heavily on the amount of risk related to the type of work you’re doing. For instance, a roofing contractor might require a more expensive policy than a plumber because of the increased risk of falling.

A business owner’s policy (BOP) provides coverage for small businesses operating in a low-risk industry. It also combines your liability coverage with additional coverages like property insurance. High risk industries like construction usually aren’t eligible for a BOP, and if you don’t own commercial property, you’d likely be paying for more coverage than you need.

Learn more about contractor general liability insurance

Every business faces serious liability risks. The costs of a lawsuit can add up quickly, putting a serious financial strain on your business, or even forcing you out of business. We created a comprehensive guide to help you understand GL insurance in great detail.

Our experienced agents can help you find the right coverage that fits your budget to get you back to the important details of running your business. Get in touch today to learn more about contractor general liability insurance or our other commercial insurance policies. Our experienced agents are standing by 24/7 to answer your questions or provide a quick quote for your policy.

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