What We Do
General Liability for Construction & Contracting
General liability for contractors: third-party bodily injury and property damage cover built for jobsite work and the contracts that require it.
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General liability for construction
General liability is the backbone policy for any contractor. It responds when your work causes third-party bodily injury or property damage, and it is the coverage project owners and general contractors most often require before you set foot on site.
What this policy responds to
The core exposures this coverage line responds to.
Third-party bodily injury on or around the jobsite
Property damage your operations cause to others
Completed-operations claims after a project wraps
Additional-insured status for owners and general contractors
Typical operators on this line
Who we most often place this coverage for.
General contractors and construction managers
Specialty and trade subcontractors
Remodelers, builders, and site-work firms
What this policy does not cover
Common gaps clients assume are included. These usually need a separate line or an endorsement.
Injuries to your own employees, which sit with workers' compensation
Damage to your own tools and equipment, covered by inland marine or builder's risk
Faulty workmanship itself, as opposed to the damage it causes
What drives the cost
Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down.
Trade, payroll, and annual receipts
Use of subcontractors and the certificates you collect from them
Claims history and the limits your contracts require
Whether work includes higher-hazard scopes like roofing or excavation
Checklist
General Liability for Construction & Contracting checklist
Tell us about your operation
Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price.
We market your risk to carriers
Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side.
Review quotes and choose limits
You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium.
Bind coverage and get your documents
Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day.
Manage renewals and changes
As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure.
FAQ
Frequently Asked Questions
Licensing regulations by state
Licensing regulations by state
Where you operate shapes what you file
52 of 52 jurisdictions documented. Pick a state to see the regulator, the license rule, and the bond.
What We Do
Why Cornerstone Licensing for general liability for construction & contracting
- States covered
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All 50
States covered
Filings, agents, and renewals everywhere you do business.
- Specialist assigned
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1:1
Specialist assigned
A real person who knows your filing inside out, start to finish.
- Surprise fees
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0
Surprise fees
Transparent scope and quote up front. No add-ons mid-stream.
What We Do
General liability for contractors: third-party bodily injury and property damage cover built for jobsite work and the contracts that require it.
Cornerstone Licensing
How we use AI
AI helps our licensing team work faster. Our specialists still own every call.
For General Liability for Construction & Contracting filings, AI helps our team find the right starting point quickly and reuse data you have already given us, so the work moves without extra effort from you. A licensed Cornerstone specialist reviews everything before it leaves our hands. Your information stays on our infrastructure, not in a public LLM.
On Our Infrastructure
Our models run on Cornerstone servers, not public chatbots. Your business information is not sent to a third-party LLM or used to train anyone else's product.
An Assistant, Not an Operator
AI helps our licensing team start their research in the right place and surface the resources to look at. Specialists vet what comes back and make the call.
Less Duplicate Work for You
Atlas figures out what data each form needs, then reuses what you have already given us so the same question does not come around twice. That is how approvals come faster.
Explore More From Our Team
Tools and references our customers use most.
What We Do
Ready to price general liability for construction & contracting?
Share a few details and an agent will respond within one business day with the lines that fit and the carrier panel we plan to market to.