Contractor working on a roof – Contractors General Liability Insurance in Des Moines, IA from The Insurance Specialists, Inc.

Protect Your Business with Contractors’ General Liability Insurance

As a contractor, every project comes with risk—and without the right protection, one accident or claim could put your business on the line.

Contractors General Liability Insurance (CGL) is designed to shield your company from the unexpected, helping you stay focused on the work without worrying about financial setbacks.

Whether you’re managing large crews, working with multiple clients, or handling complex job sites, CGL coverage provides peace of mind by protecting you from:

  • 1

    Liability claims that could arise during or after a job

  • 2

    Property damage caused to a customer’s home or business

  • 3

    Legal expenses during legal defense in the event of a claim or lawsuit.

  • 4

    Third-party injuries that happen on the job site

At The Insurance Specialists, Inc., we help contractors in Des Moines, IA get coverage that matches the real risks of the job.

Get a fast quote today and protect what you’ve worked hard to build.

Tailored Liability Coverage to Protect Your Business

When it comes to protecting your contracting business, a one-size-fits-all insurance policy doesn’t cut it.

At The Insurance Specialists, Inc., we understand the day-to-day risks contractors face—and we’re here to match you with liability coverage that works as hard as you do.

We partner with top insurers to provide liability insurance for contractors that’s comprehensive, customizable, and competitively priced.

Whether you’re a solo contractor or managing a growing crew, we’ll help you build a plan that covers what matters most:

  • General Liability Protection – Covers legal expenses, third-party injuries, and property damage that result from your operations.

  • Products and Completed Operations – Protects you from liability tied to your finished work or installed materials.

  • Contractual Liability – Ensures you’re covered when your contracts require you to assume another party’s liability.

  • Property Damage – Offers financial protection if a client’s property is accidentally damaged during a job.

  • Bodily Injury Coverage – Helps cover medical bills and legal costs if someone is injured on your job site.

  • Legal Defense Costs – Supports your business by covering legal expenses in the circumstance of a lawsuit.

Every contractor has different risks. That’s why we take the time to tailor your coverage, so you’re not left exposed when it matters most.

Why Choose The Insurance Specialists, Inc.

Choosing the right insurance for your contracting business is vital. Here’s why contractors turn to us for their general liability coverage:

Experienced Support

Gain insights from professionals with extensive knowledge in the construction and contracting insurance industry, helping you navigate complex coverage needs.

Tailored Protection

We design policies that fit the unique demands of your business, ensuring your coverage is suited to your specific operational risks.

Cost-Effective Solutions

Through our partnerships with top insurers, we offer affordable coverage options that fit your budget without sacrificing essential protection.

Reliable Network

Our established relationships with trusted insurance carriers mean you’ll have access to dependable and comprehensive insurance plans.

Contractors’ General Liability Insurance FAQ

We understand that bonds can be a critical yet complex part of commercial insurance, so we’ve put together answers to the most commonly asked questions. Whether you’re a business owner, contractor, or individual, these FAQs will help clarify your options and guide you through the bonding process with ease.

Contractors’ General Liability Insurance (CGL) provides financial protection for your business by covering claims that arise from property damage or injuries to third parties due to your work activities. It ensures that, in the event of an incident, legal expenses and compensation for damages are taken care of.

Any contractor or business involved in construction, renovation, or related services should consider this coverage to protect against third-party claims. It’s crucial for general contractors, subcontractors, and specialty trades like electricians or plumbers.

CGL insurance generally covers third-party property damage, bodily injury, and legal fees that arise from accidents on the job. It can also protect against claims like defamation or advertising injury.

No, injuries to employees are not covered by CGL. For employee injuries, you would need workers’ compensation insurance, which specifically addresses workplace injuries for your staff.

While not always mandated by law, many clients or project managers will require contractors to have CGL insurance as part of the contract. It’s also a good business practice to avoid financial risks from lawsuits.

Yes, if your business is sued for injury or property damage related to your operations, CGL insurance will help cover legal defense fees and settlements. This protection helps minimize the financial impact of unexpected lawsuits.

CGL insurance doesn’t cover intentional acts, professional mistakes, or damage to your own work. You might need additional policies like professional liability or property insurance for more comprehensive protection.

You can lower premiums by maintaining a safe work environment, implementing strong safety procedures, and reviewing your coverage needs regularly. Increasing deductibles or bundling policies may also reduce costs.

To get started, reach out to an insurance agent specializing in business coverage. They will assess your risks, recommend suitable coverage options, and help you customize a policy that fits your needs.

Our Other Commercial Insurance Services

Discover our selection of customized commercial insurance solutions crafted to address the varying needs of business owners. Click the links below to explore each service and identify the coverage that aligns best with your business requirements.

  • Commercial Auto Insurance: Get essential coverage for your business vehicles, safeguarding them from accidents, theft, and other risks on the road.

  • Commercial General Liability Insurance: Protect your company from a variety of potential issues, such as third-party claims involving injuries, damage to property, and related legal fees, helping your business stay secure in the face of unexpected situations.

  • Business Owner Insurance: Combine property and liability coverage in a comprehensive policy designed specifically for small and medium-sized businesses.

  • Trucking Insurance: Ensure your trucks and drivers are protected with specialized coverage tailored for the trucking industry.

  • Bonds: Secure surety bonds for your business to guarantee the completion of projects and compliance with regulations.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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