Introduction
- Definition of general liability insurance
- Importance for contractors
- Overview of key topics covered in the essay
Chapter 1: What is General Liability Insurance?
- Explanation of general liability insurance
- Common coverages (bodily injury, property damage, legal fees)
- Difference from other types of contractor insurance
Chapter 2: Why Contractors Need General Liability Insurance
- Legal requirements in different states/countries
- Risk factors in the construction industry
- Case studies of lawsuits and claims
Chapter 3: What General Liability Insurance Covers
- Third-party bodily injuries
- Third-party property damage
- Personal and advertising injury (libel, slander)
- Completed operations and product liability
Chapter 4: What General Liability Insurance Does Not Cover
- Workers’ compensation
- Professional errors and omissions
- Intentional damage or contractual liabilities
Chapter 5: Cost of General Liability Insurance for Contractors
- Factors affecting cost (business size, location, claim history)
- Average cost estimates
- Ways to lower premium costs
