What insurance does a Georgia contractor need beyond basic general liability?

A Georgia contractor usually needs several coverages beyond basic general liability to be properly protected and to win jobs. General liability is the starting point, but it leaves real gaps for the tools, vehicles, employees, and finished work that a contracting business depends on.

Here are the coverages contractors most often add:

• Commercial auto for trucks and vans used on the job, since personal auto policies exclude business use.
• Tools and equipment coverage, often called inland marine, to protect gear on the road or at a site.
• Workers compensation, required in Georgia once you have three or more employees, covering job-site injuries.
• Contractors errors coverage or a completed operations focus for problems that show up after the work is done.
• Umbrella coverage to extend your liability limits for larger projects.

For example, a Marietta remodeling contractor carries general liability, but a $40,000 trailer of tools is stolen from a job site overnight. General liability would not pay for that loss; an inland marine policy on the tools would. Separately, if a worker falls from a ladder, workers compensation covers the medical bills and lost wages, and helps protect the owner from a related lawsuit.

Many general contractors also need higher liability limits because clients and project owners require them in the contract. Bundling these into one program, often around a general liability base, keeps it manageable. To build the right package for your trade, request a free coverage review and we will tailor it to your business.