Business Insurance / General Liability
General Liability Insurance in Scranton, PA
General liability is the policy everybody asks you for and almost nobody explains. It responds when your work injures someone who does not work for you, or damages property that is not yours. It is the baseline a general contractor wants on file before you start, and in Scranton it is part of what the city wants before it issues a contractor licence.
What It Covers
The parts of the policy, in plain terms.
Third-party bodily injury
Someone who is not your employee gets hurt because of your work or on your premises.
Third-party property damage
You damage something that belongs to the client or a neighbour while working. The most common claim in the trades by a wide margin.
Products and completed operations
A claim that shows up after you have finished and left. This is the part contractors forget exists, and it is often the one a contract requires by name.
Personal and advertising injury
Libel, slander and a handful of related exposures. Rarely used, routinely required.
Defence costs
The carrier defends a covered claim even when it has no merit. Being right is not the same as being able to afford to prove it.
Additional insured status
Extends some protection to the general contractor or property owner for claims arising from your work. Nearly every commercial contract asks for it, and it has to be endorsed onto the policy rather than typed onto a certificate.
How it plays out
You are carrying material through a finished hallway and put a gouge in a plaster wall the homeowner had restored last year. Nobody is hurt and your tools are fine. The repair, and the argument about what the repair is worth, is what general liability is for.
Placed with
- Next Insurance
- Hiscox
- Utica First
- Travelers
Frequently Asked Questions
General Liability questions we get.
What limits does the City of Scranton require for a contractor licence?
How fast can I get a certificate of insurance?
Is general liability the same as being bonded?
I am a sole proprietor with no employees. Do I still need this?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Workers' Compensation
Required in Pennsylvania once you have employees, and priced on payroll and class code.
Commercial Insurance
General liability, property, commercial auto and BOPs, sized to how the business actually runs.
Vacant Building
For a building sitting empty, where a standard property policy quietly stops working.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file