Contractor’s General Liability Insurance

General liability is the policy that lets Central Valley contractors get hired

Most GCs, property managers, and clients in Stockton, Tracy, and Lathrop won’t let you on the job without a certificate of insurance — and they’ll want to be named as additional insured. General liability is what makes that COI possible. Insurance City is a local independent brokerage on W Robinhood Dr, and we write contractors every week, from solo trades to small crews.

What a contractor’s GL policy actually covers

• Third-party bodily injury — someone hurt at your jobsite or by your work.
• Third-party property damage — damage you cause to a client’s property.
• Products & completed operations — claims that surface after the job is done.
• Personal & advertising injury.
• Additional insured & waiver of subrogation endorsements — the exact items GCs and clients demand on the COI.
• Damage to rented premises — if you lease your shop or yard.

We can write GL on its own — without forcing you into a full business owner’s policy you don’t need — which often means a better fit and a better rate for a contractor.

Built for how Central Valley trades actually work

We’re independent, so we shop your trade, your payroll, and your job mix across major commercial carriers instead of one company’s appetite — and there are no broker fees on standard policies. Framing, concrete, roofing, electrical, landscaping, or building your first crew — we get you the COI your clients require, fast, and explain the exclusions before you sign. Our team is bilingual (English / Español) and local.

Get a contractor’s GL quote

Tell us your trade, your annual payroll or receipts, and who’s asking for the COI, and we’ll put together comparative quotes across carriers. Call (209) 670-1556 or request a quote below.

New to commercial coverage? See our Central Valley Business Insurance Guide for how the coverages fit together.