General liability insurance General liability insurance is business insurance that covers third-party bodily injury, property damage, and related claims.
For a sidewalk contractor, this policy protects against common construction risks such as damage to nearby property or injury claims connected to the work. NYC contractors often need active general liability coverage to stay compliant with permit and licensing requirements.
Frequently Asked Questions About General liability insurance
What does general liability insurance cover?
Third-party bodily injury and property damage claims arising from the contractor's operations.
Why should an owner care?
If the work injures a passerby or damages neighboring property, the contractor's policy is the first line of protection rather than the owner's.
How is coverage verified?
Through a Certificate of Insurance naming the current policy, coverage limits and effective dates.
What is an additional insured endorsement?
It extends the contractor's policy to cover the owner for claims arising from that contractor's work, which is stronger protection than a certificate alone.