Contractor General Liability Insurance in the USA: Costs, Coverage and Requirements for 2026
Contractor general liability insurance is one of the most important forms of business protection for builders, remodelers, electricians, plumbers, roofers, handymen and independent tradespeople in the United States. A single accident—such as damaged flooring, a customer injury or a fire allegedly caused by completed work—can produce medical bills, repair costs and legal expenses that are far larger than the profit on the job. In 2026, many small contractors pay somewhere between $50 and $150 per month for a basic general liability policy, but high-risk trades may pay substantially more. Marketplace data shows an average of about $82 per month across construction businesses and contractors, while general contractors average about $142 per month and roofing contractors average about $267 per month . Your actual premium may be lower or higher depending on your trade, revenue, payroll, subcontractor use, location, claims history and policy limits. Quick answer: General...