General Liability for Contractors
General liability is the foundation of every construction contractor insurance program — covering third-party bodily injury and property damage from your construction operations that are not excluded by the pollution exclusion. GL and CPL work as a pair: GL covers the non-pollution incidents; CPL covers the incidents that the pollution exclusion would deny. Together they provide complete third-party liability protection.
What it covers
- Third-party bodily injury at job sites — injuries to visitors, bystanders, and adjacent parties not involving pollution
- Third-party property damage during construction operations — physical damage to adjacent structures, vehicles, and property
- Completed operations coverage — claims arising after project completion for defective work
- Products liability for materials and supplies you provide
- Personal and advertising injury
- Defense costs for all covered claims, including legal fees through trial
Who it's for
- All construction contractors as the foundational liability coverage line
- Excavation, demolition, renovation, and environmental contractors pairing GL with CPL for complete coverage
- Subcontractors required to provide AI coverage to general contractors and project owners
- Construction businesses bidding on projects that require minimum GL limits and specific endorsement forms
Why CCA
- GL programs coordinated with CPL so there are no gaps or carrier disputes when a claim involves both pollution and non-pollution elements
- Additional insured endorsements, primary and non-contributory language, and waiver of subrogation issued same day
- Completed operations coverage that protects you after projects close — important for renovation and demolition contractors
- GL limits scaled to project requirements — from $1M to higher limits via umbrella for major project bids
Common questions about general liability
GL and CPL together provide complete coverage for most construction contractor liability exposures. GL covers the non-pollution third-party incidents; CPL covers the pollution-related ones. The key is ensuring your GL and CPL are coordinated — from the same agency if possible — so that when a claim is tendered, both carriers are aligned on which policy responds.
Most construction contractors carry $1M per occurrence / $2M aggregate at minimum. Project owners and GCs often require $2M per occurrence, and umbrella coverage is used to reach higher totals. Environmental projects may have specific limit requirements in project contracts. We review your contract requirements and build your program to meet them.
Yes. Contractors Choice Agency holds licenses in all 50 states and writes contractor pollution liability programs for construction contractors coast to coast. NPN 8608479.
We work with AM Best A+ rated specialty environmental and surplus lines carriers with established contractor pollution liability programs. Carrier selection is based on your operation type, project profile, and state.
Call 844-967-5247 immediately when a pollution event occurs or when you receive any regulatory notice or third-party demand. Early reporting is critical under CPL — late notice can jeopardize your coverage. We provide 2-hour claims response during business hours.
Yes. Monthly payment plans are available through most carriers and premium finance arrangements for annual CPL premiums.
Yes. Once CPL coverage is bound, we issue certificates same day including additional insured endorsements and environmental-specific language as required by your project owner or general contractor.
Since 2005 — over 20 years. Specialty contractor programs including CPL are a core focus of our agency.
Business name, years in operation, annual revenue, number of employees, states where you work, types of construction work (excavation, demolition, renovation, environmental), types of pollution exposure your projects create, and claims history for the past 5 years.
Yes. Newer contractors may have fewer carrier options, but we can typically place CPL coverage that meets the requirements of project owners and general contractors requiring CPL from subs.
We are experienced with project owner and GC CPL requirements. Tell us what your contract specifies — pollution-specific AI language, minimum limits, coverage territory — and we confirm your policy satisfies those requirements before binding.
Yes. We write CPL for GCs, subcontractors, excavation-only companies, specialty demolition contractors, environmental contractors, and any construction business with pollution exposure. The right program depends on your specific scope of work.
844-967-5247, Monday through Friday 8am to 5pm Mountain Time.
12220 E Riggs Road, Suite #105, Chandler, AZ 85249.
josh@contractorschoiceagency.com.
Yes. Submit the quote form at constructionpollutionliabilityinsurance.com/quote and we will respond within 15 minutes during business hours, or call 844-967-5247.
Pair it with related coverage
Stop Operating Without Pollution Liability Coverage
One contaminated soil claim, one asbestos disturbance, one fuel spill — your GL excludes it. CPL covers it. Get a 15-minute quote.