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General Liability Insurance
Protect your business against claims of personal injury or physical damage.
Protection for contractors against liability claims
General liability insurance protects your business against claims of personal injury or physical damage. This foundational policy covers legal and medical expenses, property damage, settlements, and judgments.
★★★★★ 5/5
The construction business owner bought a jet for his growing company. Due to pilot experience, the only option was a $10mil liability limit for $500,000. Leif with a short fuse went to work and secured a $100 mil liability limit for $99,550.
Current Leif Customer
Address the following risks with general liability insurance
Contractors face unique challenges that make general liability coverage absolutely essential.
- Client requirements: Many clients require you to carry GL and name them as additional insured.
- Lawsuit potential: Clients or subcontractors could sue you for property damage or injury.
- Subcontractor liability: In some cases, you could be held liable for your subcontractors’ actions.
- Reputational risk: New projects are never guaranteed. Building a trustworthy reputation is critical to your business’s success.
Our construction specialists will tailor an insurance program to your business addressing these risks and more.
Safety-focused contractors receive more discounts.
Today, we have technology proven to reduce risk. This gives safety-focused contractors an opportunity for better coverage at lower rates. Here’s how we use innovative insurance solutions, AKA: Real-Time Risk Management, to help contractors boost productivity, protect their operations, and win more jobs.
Reduce risk and costs across all lines of insurance
Fleet management technology impacts more than your equipment insurance. Connected assets reduce risk across the board.
Objective dashcam footage of incidentsFewer paid auto claims =
Operator behavior warnings =Fewer commercial insurance claims
Location and usage data = Fewer theft and third-party liability claims
Timely maintenance =Less downtime and loss of use claims
With an improved claims experience and a proven commitment to managing risk, you’re in the best position for the best rates. We’ll help you get them.
Multi-state coverage for contractors of all trades
Leif is actively building the next big cost-saving program for construction insurance. Creatively serving contractors of all shapes and sizes, we offer customized coverage for:
- Artisan Contractors
- Bridge & Infrastructure Contractors
- Concrete Contractors
- Demolition Contractors
- Electrical Contractors
- Excavation Contractors
- General Contractors
- HVAC Contractors
- Landscaping Contractors
- Municipal Contractors
- Oil & Gas Contractors
- Plumbing Contractors
- Street & Road Contractors
- Structural Steel Contractors
- Other specialized trades
General Liability FAQs
Why do I need general liability insurance?
General Liability protects your business from claims of bodily injury or property damage. Contractors face several liability exposures that make GL especially important. Working with subcontractors and on a variety of job sites can expose you to damage, injury, and theft liabilities.
How is general liability different from workers’ compensation and commercial auto?
General liability, workers’ compensation, and commercial auto policies cover different risks for your business. General liability protects your business from liability for bodily injury or property damage it may cause. By contrast, workers compensation is a type of no-fault coverage that’s specific to employees’ work-related injury or illness. Commercial auto covers both damage to commercial vehicles and liability for damage caused by them.
More than an insurance agent:
Our Consultative Approach
As your construction operation grows, your risks compound. Leif’s in-house experts help you create risk and bond strategies tailored to your business.
At Leif, we use a consultative approach to provide ongoing guidance. Our proven five-step process ensures your risk management plan aligns with your goals.
Consultative risk management services
Your Leif team can help with the following services, included in your partnership.
- Contract alignment review
- Claims consulting
- Exposure analysis
- Loss control techniques
Personalized serviceyou can count on, every time
We deliver exceptional service across all lines of insurance by promising to:
- Identify coverage gaps and quickly secure new policies
- Partner with strong carriers to offer the best program available
- Respond quickly to calls, texts, and chat during business hours
- Offer after-hours claims consultation for 24/7 emergency support
- Deliver most COIs within 2 business hours and bonds overnight
- Create a strategy to maximize your bond capacity for growth
Whether you’re a large multi-state firm, local trade contractor, or something in between – you can hold us to our promise.