What coverage do Lawrenceville professionals and contractors need?

Lawrenceville professionals and contractors usually need coverage that goes beyond a basic personal policy, because the work they do creates business liability that a homeowners or auto policy will not touch. The exact coverage depends on the trade, but a few protections come up again and again.

For contractors and tradespeople, the foundation is general liability insurance, which covers injury or property damage you cause while working at a client’s site. If you have employees, Georgia generally requires workers compensation insurance once you reach three or more, and many general contractors will not hire a subcontractor who cannot show proof of both.

If you drive a truck or van for work, your personal auto policy may exclude business use, so you likely need commercial auto insurance to cover the vehicle and tools.

For licensed professionals such as accountants, consultants, and real estate agents, the key coverage is professional liability insurance, which protects you if a client claims your advice or service caused them a financial loss.

For example, a Lawrenceville remodeling contractor with two employees and a work truck needs general liability, workers compensation, and commercial auto. A single client lawsuit over water damage could otherwise cost $50,000 out of pocket. Let us build the right coverage for your trade with a free coverage review at our coverage review page.