What type of insurance protects contractors against claims of bodily injury on the job site?

General liability insurance is specifically designed to protect contractors from claims of bodily injury, property damage, and personal injury that may occur on the job site. This type of insurance provides coverage for legal fees and settlement costs if a third party, such as a client or visitor, files a claim against the contractor due to an incident occurring during the course of their operations.

In the context of construction, bodily injury can include accidents involving slips and falls, injuries sustained from equipment, and various other incidents that might cause harm to individuals on-site. By having general liability insurance, contractors can safeguard their financial interests and ensure that they are protected from the potentially devastating costs associated with such claims.

Workers' compensation insurance, while essential for covering employees' injuries on the job, serves a different purpose by providing wage replacement and medical benefits to workers who are injured or become ill as a result of their work. Professional liability insurance focuses on claims related to the quality of work or services provided, protecting professionals from claims of negligence or errors. Automobile insurance applies to vehicles and their operation, not directly to injuries occurring at job sites. Each of these insurance types plays a vital role in a contractor's overall risk management strategy, but general liability specifically addresses the risk of third-party bodily injury claims at