At ContractorNerd, we’ve modernized the way tradespeople purchase general liability insurance. Our digital platform provides instant quotes from leading trade-friendly carriers, allowing you to purchase coverage and receive confirmation on the same day; our brokers are here to help.

ContractorNerd delivers both instant digital convenience and personalized expertise. While our platform streamlines the entire insurance buying process, our licensed brokers are available via chat and phone to provide guidance whenever you need it. They’ll analyze your specific trade risks to recommend optimal coverage limits, walk through real claim scenarios relevant to your work, and identify ways to reduce premiums through strategic deductible and carrier selection—all while maintaining the protection your business needs.

What Can General Liability Insurance Cover for the Trades?

General liability insurance offers comprehensive protection against the most common risks that tradespeople face on job sites and during business operations. This coverage extends beyond just accidents at work sites—it protects your business reputation, financial stability, and future growth potential.

Core Liability Coverage Includes:

Third-Party Bodily Injury

Covers medical expenses, lost wages, and legal costs when non-employees are injured by your business operations—whether it’s a client tripping over equipment or a bystander hurt at your job site.

Third-Party Property Damage

Pays for repairs or replacement when you accidentally damage client property, neighboring structures, or public property during your work.

Products and Completed Operations

Protects against claims from your completed work or installed products, even months after project completion. Covers situations like faulty electrical work causing fires or improper plumbing leading to water damage.

Personal and Advertising Injury

Covers claims of libel, slander, copyright infringement, wrongful eviction, and false arrest related to your business operations.

Additional Liability Coverage Includes

Legal Defense Costs: Covers attorney fees, court costs, and settlements from dollar one, even for baseless claims

Medical Payments: Pays minor injury costs ($5,000-$10,000) without requiring fault determination

Damage to Rented Premises: Protects against damage to rented offices, storage, or equipment

What’s Not Covered

Understanding exclusions helps you identify coverage gaps that may require additional policies:

Get Free Quotes and Buy Coverage with ContractorNerd

ContractorNerd has eliminated the hassles of purchasing insurance through a traditional agent. Our digital platform captures everything needed to provide instant quotes from multiple trade-friendly carriers, allowing you to compare options and purchase coverage entirely online with same-day confirmation.

Step 1: Complete Our Smart Application (5 Minutes)

Our intelligent application captures all necessary information upfront through trade-specific questions. You’ll provide:

  • Basic business information and entity structure
  • Specific trade classifications and services offered
  • Annual revenue and typical project values
  • Years in business and safety protocols

Step 2: Receive Instant Quotes from Multiple Carriers

Through our partnerships with leading insurance carriers, we provide instant quotes for three coverage limit tiers: Low ($500K per occurrence/$1M aggregate), Standard ($1M per occurrence/$2M aggregate), and High ($1M per occurrence/$2M aggregate), with Excess Liability up to $5M available within 48 hours. Our platform shows:

  • Real-time quotes from multiple A-rated carriers
  • Side-by-side premium and coverage comparisons
  • Payment plan choices for each carrier
  • Policy features and endorsement options

Beyond the set of instant options, we also have access to more specialized programs and insurance carriers.

Step 3: Customize, Purchase, and Get Coverage Same Day

Our platform allows you to tailor coverage options from leading carriers and view the full picture of pricing. Once you’re happy with your tailored coverage, you can purchase it digitally, with most coverage secured on the same day. The process looks like this:

  • Tailor coverage by modifying limits and deductibles and selecting coverage endorsements.
  • Once you’ve found your ideal coverage, complete the purchase entirely online with secure digital payment.
  • Choose to pay in full for savings or select convenient installment plans.
  • You’ll receive certificates immediately via email, with policy documents in 1-2 business days.

All payment processing is conducted digitally and securely. Whether you prefer to pay in full or need monthly installments to manage your cash flow, our platform is designed to accommodate your needs.

Specialist Broker Support for Tailored Coverage

While our digital platform streamlines the insurance buying process, ContractorNerd’s licensed brokers are available via chat and phone to ensure your coverage meets your unique business needs. Our brokers review your specific trade and project types to recommend appropriate limits and endorsements, walk through common claim scenarios so you understand exactly what’s covered, and suggest strategies to manage premiums through smart deductible choices and carrier selection—all without sacrificing essential protection. This combination of instant digital quoting and expert broker advice gives you both convenience and confidence in your coverage decisions.

​Start Your Coverage Today

Get your free instant quotes now and discover how easy it is to protect your business. No obligations, no pushy sales calls—just straightforward insurance solutions designed for the modern contractor.