General Liability Insurance for Contractors & Small Businesses

General Liability Insurance for Contractors and Small Business Owners in Georgia and South Carolina

If you work as a contractor or run a small business, General Liability insurance is one of the first things a general contractor or property manager is going to ask for before letting you on a job site. At Fase Insurance Group, we have been helping painters, roofers, landscapers, concrete contractors, cleaning companies, and dozens of other trades get their General Liability coverage in place quickly and affordably since 2010. We work with multiple carriers and will find you the best rate for your specific trade and situation.

Who Needs General Liability Insurance?

If you work in clients’ homes or businesses, operate on job sites, or run any kind of business that interacts with the public, you need General Liability. This applies across virtually every trade — painters, roofers, landscapers, pressure washers, stone masons, handymen, concrete contractors, cleaning companies, tree services, and more. It also applies to restaurants, retail businesses, and any operation where a member of the public could be injured or their property damaged as a result of your work.

Beyond protection, General Liability is increasingly a requirement. Most general contractors in Georgia and South Carolina will not allow subcontractors on their job sites without a current certificate of insurance. Without it, you are not just unprotected — you are losing work.

What General Liability Can Cover

Third-Party Bodily Injury — If someone is injured as a result of your business operations, General Liability may help cover their medical expenses and related legal costs if a claim is filed against you. This applies whether the injury happens on a job site, at a client’s home, or at your place of business.

Property Damage — If you accidentally damage a client’s property while working — a broken window, a damaged floor, a ruined surface — General Liability may help cover the cost of repairs or replacement. Accidents happen, and without coverage, those costs come out of your pocket.

Personal and Advertising Injury — May cover claims related to libel, slander, or copyright infringement connected to your business.

Legal Defense Costs — If a claim is filed against you, General Liability may help cover attorney fees, court costs, and settlements — even if the claim is ultimately found to be without merit. Legal defense alone can be financially devastating for a small business without coverage.

General Liability and Workers Comp — Most Contractors Need Both

General Liability and Workers Compensation are two separate policies that cover very different things, and most general contractors will require proof of both before allowing you on their projects.

General Liability covers damage or injury to third parties — your clients, their property, members of the public. Workers Comp covers your own employees if they are injured on the job. If you have a team working with you, you likely need both. If you work alone, you may still need both depending on who you are working for. We will help you understand exactly what your situation requires and get everything in place at once.

Your Work Vehicles Need the Right Coverage Too

General Liability does not cover accidents that happen in your work vehicles. If you are driving a truck or van to job sites, visit our Commercial Auto page to make sure that part of your business is covered as well. Many of our contractor clients carry General Liability, Workers Comp, and Commercial Auto together — and we make it easy to handle all of it in one place.

Certificates of Insurance

Once your policy is active, we provide your Certificate of Insurance promptly. That is the document your general contractor or property manager needs before work can begin. We process them quickly so you never lose a job opportunity waiting on paperwork. If your subcontractors need their own certificates, send them our way — we will take care of them just as fast.

Building Your Business Beyond Insurance

Many of our clients are not just looking for a policy — they are building something. If you are growing your contracting business and need help setting up your LLC or corporation, managing your bookkeeping, or filing your taxes as a self-employed contractor, we offer those services as well. Everything under one roof, with a team that understands how small businesses in our community actually work.

Serving Contractors and Business Owners Across the Southeast

Our offices are in Jonesboro, Lilburn, and Conyers in Georgia, and in Rock Hill, South Carolina. For contractors and business owners in Alabama and Tennessee, we handle everything by phone — including the trades communities in Birmingham, Huntsville, Albertville, and Decatur in Alabama, and Nashville, Murfreesboro, and Shelbyville in Tennessee.

Our team is bilingual and ready to assist in English and Spanish. Si prefieres hablar en español, estamos aquí para ayudarte.

Frequently Asked Questions

Is General Liability required by law in Georgia?
No — Georgia does not legally mandate General Liability for most businesses. However, general contractors, property managers, and clients routinely require it as a condition of working with them. In practice, not having it means losing jobs.

What is the difference between General Liability and Workers Comp?
General Liability covers damage or injury to third parties — clients, their property, the public. Workers Comp covers your own employees if they are hurt on the job. Most contractors working on commercial projects need both. We can help you understand what applies to your situation and get both policies in place.

How quickly can I get a certificate of insurance?
We process certificates promptly once your policy is active. Call us at 770-960-8803 and we will get it handled.

Do you serve contractors in Alabama and Tennessee?
Yes. We are licensed in both states and handle everything by phone. No office visit required.

Get Your Free Quote

A General Liability quote is free and takes just a few minutes. Call us at 770-960-8803, stop by any of our offices, or reach out online. We will find you the right coverage at a competitive rate and make sure you have everything you need to keep working.

General Liability insurance coverage terms, conditions, exclusions, and limits vary by carrier and policy. All coverage is subject to the terms of the applicable insurance policy. This page is for general informational purposes only and does not constitute legal or business advice. Please speak with a licensed agent at Fase Insurance Group to determine the coverage appropriate for your specific business and situation.