Contractor liability insurance is an extremely important protection for many workers involved in the development of buildings and new construction. It is protection used by general contractors, builders and developers, as well as artisan contractors ened in many forms of specialized work such as masonry, plumbing, and electrical. The insurance is one of the more common forms of coverage used by these professionals as it generally offers them the broadest financial protection in the event of a law suit.

The general purpose of contractor liability insurance is to protect contractors who ene in some aspect of building development. Typically, when building developers and general contractors take on large construction projects, they rely on the work of many specialized contractors. The developer oversees the project and likely has his or her own team of builders, but due to all of the components involved in building construction, many contractors are commonly employed.

When a developer fails to deliver on his promise to a client either by failing to complete the building, missing major milestones, or being negligent in a way that leads to damages, he is likely to be sued by the investor or owner of the building. Sometimes the builder is the owner of the property. Because of the many hands involved in the development of the building, the general builder is likely to look around and find others to ign some or all of the blame too. If the problem is plumbing related, for instance, the builder would likely attempt to seek financial retribution from plumbing contractors. If it is an electrical issue, he would look to the electrical workers.

With the presence of the risk of financial liability, most contractors operate with contractor general liability insurance. Some have protection ongoing, while many buy contractor liability insurance for each significant project they work on. While there are some more specialized types of contractor insurance, contractor general liability insurance offers the contractor the broadest protection against financial loss related to wrongdoing. The insurance offers protection for personal injury, property damage, advertising, and completed operations and products, among others.

For additional information or if you wish to obtain a contractor insurance quote, please contact SafePro Insurance Services.


SafePro Insurance Service is an independent insurance agency specializing in all types of contractor insurance, contractors liability insurance & general liability insurance in California.