What It Is
Commercial general liability can help protect your business when a third party claims bodily injury or accidental property damage connected to your operations. Additional Coverages are included depending on job requirements.
General Liability for Contractors
General Liability Pricing Estimates
| Annual Gross Receipts | Coverage Limit | Estimated Monthly Payment | Estimated Annual Payment |
|---|---|---|---|
| Under $250,000 | $1M / $2M | From $89/mo | From $975 paid in full |
| $250,000 – $500,000 | $1M / $2M | From $145/mo | From $1,595 paid in full |
| $500,000 – $1,000,000 | $1M / $2M | From $265/mo | From $2,915 paid in full |
| $1,000,000 – $2,500,000 | $1M / $2M | From $425/mo | From $4,675 paid in full |
All pricing shown is estimated for qualifying contractors and subject to underwriting approval.
What Affects Pricing
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What every contractor should know about General Liability insurance
Before you bid, start work, or pull a permit, owners and project managers expect proof of General Liability insurance. Here is what it is, why it matters, and what they typically require.
Why You Need It
One claim can cost far more than the profit from a job. General Liability helps protect your business from unexpected liabilities, property damage claims, and legal expenses.
Who Requires It
Most contractor licenses do not necessitate General Liability, but project owners, municipalities, lenders, and private contracts often require it before you bid, start work, or get paid.
Limits That Matter
Project owners and municipalities often require specific liability limits before approving work. We help contractors secure coverage that aligns with contract requirements, project size, and jobsite risk.
Certificates & Endorsements
Additional insured endorsements, waiver of subrogation, and same-day certificates of insurance are often required on active jobs. We turn COIs around quickly so work doesn't wait on paperwork.
Your General Liability, Done Right
We've been serving contractors' insurance needs for 4 generations
Jet Insurance Services knows the fastest way to get your general liability certificates issued accurately—so you meet contract requirements before starting work.
We provide clear guidance on limits, additional insured endorsements, and waiver of subrogation language. Most of the time you can submit a request and let us handle the certificate turnaround.
Advisors who speak jobsite, not jargon—no runaround when a bid deadline is on the line.
- ✓Same-day certificates and additional insured endorsements for active bids
- ✓Experience with contractor insurance requirements and municipal specs
- ✓Multi-state programs for crews traveling across regions
- ✓Renewal reviews that account for payroll growth and new trade classes
Agents Ready to Help
An advisor is ready to answer general liability questions—limits, endorsements, certificates, and what a General Contractor specification actually requires.
Talk to the pro →