General Liability Insurance is one of the most important protections for any installation business. It acts as a safeguard when accidents happen on a job site, covering third-party bodily injury, property damage, and related legal costs. For installers who regularly work at customer locations, the risks are higher than in other industries. Something as small as a misplaced tool or a slip on a wet floor can result in expensive claims. General Liability Insurance ensures that these unexpected events do not become financially devastating.

Many clients and project managers now require proof of General Liability coverage before awarding contracts. This certificate not only builds trust but also demonstrates that your business takes safety and responsibility seriously. Without this coverage, installation companies expose themselves to lawsuits that could potentially shut down their operations.

It is important to remember that General Liability does not cover everything. It does not pay for employee injuries, which are instead covered under Workers’ Compensation, nor does it usually cover damage to your own tools and equipment. However, when paired with other policies, it forms the foundation of a strong risk management plan for installers.

For contractors working in California, having proper General Liability Insurance also helps with licensing requirements and contract negotiations. More details on this coverage and how it applies locally can be found at General Liability Insurance California