General Liability Insurance
Coverage for third-party bodily injury and property damage caused by the contractor.
Definition
General liability (GL) insurance protects a contractor against financial loss from claims that their work caused injury or property damage to others.
In plain English
Most states and customers require contractors to carry $1M+ in GL coverage. It does NOT cover the contractor's own employees (that's workers' comp).
Example
A plumber accidentally floods a customer's basement → GL insurance pays for the water damage repairs.
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