Insurance for General Contractors
Built to cover the job, not just the paperwork.
General Contractors Insurance for Dallas, GA, Paulding County & Metro Atlanta
Prefer to text? (678) 224-9333
General contractors carry risk on every job site — subcontractors, tools, changing crews, and clients who want a certificate of insurance before you ever pick up a hammer. We build coverage around how you actually run jobs, not a generic policy that leaves gaps at the worst time.
Coverage We Build Around Your Business
What general contractors insurance typically includes.
- General Liability — third-party bodily injury and property damage on the job site
- Tools & Equipment (Inland Marine) — your gear is covered off-site and in transit, not just in a shop
- Workers' Compensation — required in Georgia once you have employees
- Commercial Auto — trucks, trailers, and hired/non-owned vehicle exposure
- Builder's Risk — coverage for a structure while it's under construction
- Umbrella / Excess Liability — extra protection above your GL and auto limits
Real Risk, Real Coverage
Common general contractors risks — and how coverage responds.
A client or GC requires a certificate of insurance before you start work — and won't wait.
We issue most certificates of insurance same day, so a coverage gap never costs you a job.
A sub-contractor's mistake damages a client's property and you get named in the claim.
General liability with proper additional-insured endorsements protects you when someone else's error becomes your problem.
Tools are stolen from a job site or a locked trailer overnight.
Inland marine coverage protects tools and equipment wherever they are — not just parked at your shop.
Questions We Hear Often
General Contractors insurance FAQs.
Do I need workers' comp if I only use subcontractors?
In Georgia, if you have three or more employees (including part-time), workers' comp is generally required. Even with subs only, many general contractors' clients require proof of coverage or an owner's coverage before allowing work to start — ask us how this applies to your setup.
What's the difference between general liability and builder's risk?
General liability covers injury or property damage claims from third parties. Builder's risk covers the structure itself — materials, fixtures, and work in progress — while it's being built or renovated.
Can you issue a certificate of insurance the same day I need it?
Yes — most COI requests are turned around same business day. Existing clients can request one directly from our Certificate of Insurance request page.
Does my policy cover subcontractors I hire?
Your general liability typically covers your own work, not your subcontractor's negligence unless you require them to carry their own coverage and list you as additional insured — we can help you set up that requirement in your sub agreements.
Related Coverage
Other industries we cover nearby.
Let's build coverage around your general contractor.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
Prefer to text? (678) 224-9333