NeedBizInsurance
Coverage by Profession · United States · 2026

General Liability for general contractors

General Liability is typically required for general contractors. Required by virtually every state license and project contract; often $1M/$2M limits or higher.

Requirement
Required
Average cost
$700.00–$1800.00/yr
Business risk
very-high
01

How general liability applies

Required by virtually every state license and project contract; often $1M/$2M limits or higher.

02

What affects the price

Project values
Crew size
Masonry vs. framing
Subcontractor oversight
03

Best carriers for general liability for general contractors

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
Hiscox
AM Best: A
direct
professional-liabilitygeneral-liabilitycyber-liabilitybusiness-owners-policy
NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
direct
general-liabilitycommercial-autoinland-marineworkers-compensation
04

General Liability for General Contractors — FAQ

Do general contractors need general liability?+

Yes. General Liability is typically required for general contractors by law, license, contract, or client requirement.

What does general liability cover for general contractors?+

General Liability helps protect a general contractor business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can general contractors buy general liability online?+

Yes. Many carriers quote general liability online for general contractors, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

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