General contractors

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Essential Insurance Types & Recommended Limits

Insurance Type Recommended Minimum Limits Key Purpose
Commercial General Liability (CGL) $1,000,000 per occurrence / $2,000,000 aggregate Covers third-party bodily injury and property damage caused by the sub's work.
Workers' Compensation Statutory Limits (e.g., $500k-$1M employers' liability) Mandatory in most states to cover sub-employee injuries. Protects you from being liable for their medical bills.
Commercial Auto Liability $1,000,000 combined single limit Covers accidents involving business vehicles used for the project.
Excess / Umbrella Liability $1,000,000 - $5,000,000+ (project dependent) Provides an extra layer of protection if a major claim exceeds the primary policy limits
  • Additional Insured Status: Require that you (the GC) and the project owner be named as "Additional Insured" on their CGL and Auto policies.
  • Waiver of Subrogation: Prevents the subcontractor's insurance carrier from seeking reimbursement from your insurance after they pay a claim.
  • Primary and Non-Contributory: Ensures the sub's insurance pays first before your own insurance is even touched.
  • Notice of Cancellation: Requires the sub's insurer to give you 30 days' notice before the policy is cancelled or modified.