Yes — general liability insurance is essential for contractors and is often legally required to obtain or maintain a contractor license. Most states, cities, and project owners require contractors to carry at least $1 million in GL coverage before they can bid on jobs or pull permits. Even where not mandated by law, many general contractors require subcontractors to provide a certificate of insurance before starting work. See state-specific contractor requirements for Florida, Louisiana, and Georgia.
Contractors face higher-than-average liability risks due to the physical nature of their work — property damage, bodily injury to clients or bystanders, and completed operations claims are common. A general liability policy protects against all of these. Contractors should also consider a professional liability (E&O) policy for design or consulting errors. Request a contractor GL quote from Bridgeway or call (601) 264-0541.
