General Liability

General Liability is the backbone of a contractor's insurance program. We focus on building a policy that allows you to step onto any job site with confidence that your business is protected against claims of bodily injury, property damage, and related legal expenses.

For artisan trades, septic contractors, and tree trimming companies, we pay close attention to the details that drive your contracts: additional insured wording, primary and non-contributory language, waivers of subrogation, and completed operations coverage. Our goal is to help your policy not only respond at claim time, but also satisfy the insurance requirements of generals, owners, and public entities so you can bid work without scrambling.

We structure coverage to respond if a ladder falls on a vehicle, a cut line floods a building, a falling limb damages a roof, or a completed job is blamed for later water intrusion or property damage. Defense costs, settlements, and judgments can quickly exceed what most small and mid-sized contractors can absorb; we help set limits and endorsements that reflect your actual risk and project sizes.

Beyond placement, we support you with fast Certificates of Insurance, guidance on subcontractor insurance tracking, and periodic program reviews to keep your coverage aligned with how your business is growing. The result is a contractor-focused General Liability program that helps protect your balance sheet while keeping projects and payments moving.