Understanding General Liability Insurance for Contractors in Bucks County

General liability insurance is the cornerstone of any contractor's insurance program in Pennsylvania. Without it, a single accident on a job site in Bucks County could expose your business to devastating financial losses. Here's what every contractor needs to know.

What Does General Liability Cover?

A commercial general liability (CGL) policy protects your business against claims of:

• Bodily injury — if a third party is injured on your job site
• Property damage — if your work damages a client's property
• Personal and advertising injury — including libel, slander, or copyright infringement
• Completed operations — claims arising after a project is finished

Top Carriers for Contractor General Liability in Pennsylvania

The Stoll Agency places contractor general liability policies with some of the most financially stable carriers in the industry:

• The Hartford — excellent contractor programs with broad coverage options
• Utica National — competitive rates for small and mid-size contractors in PA
• Travelers — industry-leading claims handling and risk management resources
• CNA Insurance — strong construction specialty programs

How Much Coverage Do You Need?

Most general contractors in Bucks County and Montgomery County carry at minimum a $1 million per occurrence / $2 million aggregate policy. However, larger commercial projects, government contracts, and general contractor requirements often demand higher limits — sometimes $5 million or more via an umbrella policy.

Common Exclusions to Watch For

Standard CGL policies typically exclude:

• Damage to your own work (covered under a builder's risk policy)
• Professional errors and omissions (requires a separate E&O policy)
• Pollution liability (requires a contractor's pollution liability endorsement)
• Employee injuries (covered under workers' compensation)

Get the Right Coverage for Your Bucks County Business

The Stoll Agency specializes in building comprehensive insurance programs for contractors throughout Bucks County, Montgomery County, and all of Pennsylvania. We'll review your contracts, assess your exposures, and match you with the right carrier and coverage limits.