At PBIB, our knowledge of the products and the marketplace we serve is unparalleled. As former contractors, we know the construction industry from the ground up.

1. Looking for cheap general liability
insurance for contractors? Get your
coverage here at Pascal Burke
Insurance Brokerage
General liability insurance gives you the peace-of-mind that
your business assets are protected against risks or unforeseen
events. If a third party alleges property damage, injury, or
bodily harm, you won’t have to worry about your construction
business assets being depleted by medical bills, court costs,
settlements, or judgements.
In the high-risk construction industry, safety and protection
are part of the job. General liability insurance is one way
you can protect your business and keep your assets where you
want them. You work hard to build your business. General
liability insurance works hard to protect it.
There is no substitute for experience, so if you're trying to
find the best possible general liability coverage in your
location, you have come to the right place! Place your
business in the capable hands of Pascal Burke Insurance
Brokerage today!
What is General Liability Insurance?
General liability insurance, often called business liability
insurance and commercial liability insurance, provides
coverage for your business against claims of:
 Bodily injury.
 Property damage.
 Personal and advertising injury.
 Medical expenses.
What does a General Liability
Insurance policy cover?
General liability insurance provides coverage to the insured
for third-party “bodily injury” or “property damage” arising
out of your operations, including defense and indemnity that
the insured become legally obligated to pay. The policy also

2. provides premises liability, fire damage to the insureds
rented office (not your home).
Why you need General Liability
Insurance?
General liability (GL) insurance (also known as small business
liability insurance or commercial liability insurance) gives
you the peace-of-mind that your business assets are protected
against risks or unforeseen events. If a third party alleges
property damage, injury, or bodily harm, you won’t have to
worry about your construction business assets being depleted
by medical bills, court costs, settlements, or judgements.
In the high-risk construction industry, safety and protection
are part of the job. General liability insurance is one way
you can protect your business and keep your assets where you
want them. You work hard to build your business. General
liability insurance works hard to protect it.
This section explains what our Business General Liability
Insurance offers. You should consider General Liability
Insurance Coverage if you or your employees:

3.  Interact with clients face to face – If you visit a
client’s place of work, or clients visit yours.
 Have access to a customer’s property.
o If a customer’s home or property is damaged, GL
could cover the cost to repair or replace it.
 Are required to have general liability insurance before
entering into a contract.
Typical General Liability Coverage for Contractors:
General Liability:
Occurence Limit
$1,000,000
Aggregate Limit
$2,000,000
Product Completed Ops
$1,000,000
Worker's Compensation:
Limits
$1,000,000
Commercial Auto:
Limits
$1,000,000
Tools & Equipment:
Limits (* See note below)
$10,000
Excess Liability:
Limits (* See note below)
$1,000,000
Notes:

4. 1. Tools and Equipment limits should be adjusted to the
actual value of the Tools and Equipment owned, leased, or
rented by the Contractor.
2. Excess Liability should be considered for exposures to
loss that exceed $1,000,000, or contractual requirements
dictate the amount of excess liability must be carried.
3. Professional Liability is usually not needed unless the
GC is performing Design-Build, Construction Management,
or other consulting services.
What is covered?
 Bodily Injury.
 Damage to third party property.
 Personal injury.
 Advertising injury.
 Medical expenses.
 Defense costs (On Covered Claims).
 Actions of your employees.
What is not covered?
 Your property, injury to you or your employees.
 Professional services.
 Workers’ compensation.
 Intent to injure.
 Coverage outside the policy period.
 Known claims prior to the start of the policy.

5. Optional Coverages:
Some small contractor insurance programs may exclude certain
coverage listed below. If these coverages are needed, they can
be purchased through broad form policies, usually at a higher
cost.
 Contractual Liability.
 Prior Work.
 Uninsured subcontractor coverage.
How to pick the right GL Policy for
you
 There are two types of policies, ISO and Manuscript. The
ISO policy is a standard form policy, so the coverage of
the policy is known. Though it is important to read your
policy and endorsements, it is the endorsement that must
be carefully read. The Manuscript policy is written by
the insurance carrier, so you and your broker must read
it cover to understand the coverages.
 We are Insurance Brokers at PBIB, that means we select
from a large pool of insurance carriers to find the best
policy that best fits your needs. If you go to an Agent
of an Insurance Carrier, the agent must select the one
policy the carrier has for you. Another mistake is
purchasing an online policy, who read that policy for you
to determine if the coverage is proper for your company?
The answer is no one read the policy.

6.  There is no substitute for experience, so if you're
trying to find the best possible general liability
coverage on your Location, you have come to the right
place! Place your business in the capable hands of Pascal
Burke Insurance Brokerage today!
There are some policies that exclude
coverage
 Based upon your trade certain endorsement can be
critical, each trade has its own requirements and there
are coverages that must be considered, too many to
mention here.
 In an example, Roofers all need open roof coverage and
some need coverage for Hot Work applications.
General Liability Insurance coverage
does vary by Profession, Location and
Limits.
The location and business trade plays a role in the cost of
your general liability policy. If you do business in an area
where the risk is greater, you may be able to manage your
costs by adjusting your limits to reflect your actual need.
For example, a roofing company will do higher-risk projects
than say a handyman. Quotes will vary by business depending on
the trade, the size of the business, the state your business
is located in, and the limits/deductibles selected. A
commercial property policy is purchased to cover damage to the
contractor’s own buildings, office contents, and most other
personal property that it owns. A commercial property policy
can also cover loss of income or increase in expenses that
result from insured damage.
How to Successfully Manage your
Subcontractors

7. How to make sure that your subcontractors claims stay with
your subcontractors do not hit your General Liability policy
and drive your rates sky-high?
Collect from each subcontractor prior to the subcontractor
commencing work, the following:
 A Certificate of Insurance listing all policies.
 Subcontractors Agreement that includes the following:
 General Liability Insurance:
 Limits of Liability:
o $1,000,000 per Occurrence.
o $2,000,000 General Aggregate.
o $2,000,000 Aggregate for Products-Completed
Operations.
o $1,000,000 Personal & Advertising injury.
 Endorsements: (Or equivalent endorsements).
o Additional Insured - Ongoing Operations (CG2010).
o Primary and Noncontributory - Blanket (CG2001).
o Waiver of Subrogation (CG2404).
 The subcontractor agreement that includes insurance
requirements and a Hold Harmless Clause that holds you
harmless to the fullest extent permitted by law,
including defense and all legal fees for the work
performed by your subcontractors on your behalf.
 All subcontractor documentation should be kept for a
period of 10 years.
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