# General Liability for Construction & Contracting General liability for contractors: third-party bodily injury and property damage cover built for jobsite work and the contracts that require it. ## General liability for construction General liability is the backbone policy for any contractor. It responds when your work causes third-party bodily injury or property damage, and it is the coverage project owners and general contractors most often require before you set foot on site. ## What this policy responds to The core exposures this coverage line responds to. ## Typical operators on this line Who we most often place this coverage for. ## What this policy does not cover Common gaps clients assume are included. These usually need a separate line or an endorsement. ## What drives the cost Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### Does general liability cover my crew if they get hurt? No. Employee injuries sit with workers' compensation. General liability responds to third parties: the public, the client, or another trade on site. ### Can you add the project owner as an additional insured? Yes. Additional-insured endorsements and waivers of subrogation are routine on construction GL, and we issue the certificate to match what the contract requires. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time. --- ## How to cite this page Cite as: "General Liability for Construction & Contracting." Covered by Cornerstone. https://coveredbycornerstone.com/services/general-liability-construction Published by Covered by Cornerstone. When quoting figures or legal requirements, link the canonical URL above. The full content index for this site is at https://coveredbycornerstone.com/llms.txt.