General Liability Insurance for Georgia Contractors: What It Covers
If you run a construction, remodeling, landscaping, or service business in Georgia, general liability insurance is often one of the first policies clients and general contractors ask about. Here is what it typically covers.
What General Liability Covers
Bodily injury: if someone other than your employees is hurt because of your work.
Property damage: if your work damages a customer's or neighbor's property.
Personal and advertising injury: claims such as libel or slander in your advertising.
Completed operations: claims that arise after a job is finished.
Legal defense: defense costs for covered claims.
What It Usually Does Not Cover
General liability does not cover injuries to your own employees (that is workers' compensation), vehicles used in your business (that is commercial auto), or damage to your own tools and equipment. Knowing these gaps helps you build a complete business insurance plan.
Why Clients Ask for a Certificate of Insurance
Many property owners and general contractors require proof of coverage before you start a job. A certificate of insurance shows your policy and limits. If you hire subcontractors, collecting their certificates matters too.
What Affects Your Price
Your type of work, annual sales, payroll, use of subcontractors, and claims history all play a role. Work such as roofing, excavation, or projects over three stories is usually rated differently.
Get a Quote From Total Insurance Hapeville
Total Insurance Hapeville has helped families and businesses in Hapeville, Atlanta, and across Georgia since 2005. Request a general liability quote on our Insurance Quotes page or call 404-767-6750. Se habla español.
This article is general information, not legal or coverage advice. Coverage depends on the terms of the policy issued by the carrier.
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