On this page
- GL = third-party injury and property damage from your work.
- WA and OR set GL minimums for contractors; most states don't.
- Clients usually ask for a certificate of insurance.
What general liability covers
General liability (GL) responds to third-party claims of bodily injury or property damage arising from your operations — for example a client's floor damaged during a job. It does not cover injuries to your own employees (that is workers' compensation) or your own tools and vehicles (separate policies).
| Policy | Who it protects | Typically required by |
|---|---|---|
| General liability | Clients and the public (third parties) | Some state boards (WA, OR), GCs, many clients |
| Workers' compensation | Your employees | State law once you have employees (rules vary) |
| License / surety bond | Consumers and the state | State licensing boards (CA, WA, OR, AZ, NV…) |
| Commercial auto | Vehicles used for work | State auto law |
Where the state itself sets a minimum
Most states leave GL limits to the market, but some licensing boards set a floor:
| Washington requirement | Amount | Source |
|---|---|---|
| General contractor bond | $30,000 | RCW 18.27.040 (since July 1, 2024) |
| Specialty contractor bond | $15,000 | RCW 18.27.040 |
| General liability | $200,000 public liability + $50,000 property damage, or $250,000 combined single limit | WA L&I |
| Certificate holder | L&I must be listed | WA L&I |
| Oregon residential endorsement | Liability insurance (per occurrence) |
|---|---|
| Residential general contractor | $500,000 |
| Residential specialty contractor | $300,000 |
| Residential limited contractor | $100,000 |
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
Certificates of insurance (COI)
A COI is a one-page summary from your insurer showing policy limits and dates. A client can be added as certificate holder or additional insured. In Washington, L&I must be the certificate holder on your registration GL policy.
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Insurance by trade
Getting quotes
Quotes depend on trade, payroll, revenue, claims history and location, so we don't publish prices. Have your license number, classifications, payroll and the limits your clients require ready.
- Active license number and classifications
- Limits required by your state board or clients
- Annual revenue and payroll estimates
- Number of employees and subcontractors
- Prior claims (last 3–5 years)
- Certificate holders / additional insureds needed
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Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
State insurance pages
FAQ
Is general liability insurance required for contractors?
It depends on the state. Washington and Oregon set minimums as a condition of registration/licensing; many states do not, but clients and GCs commonly require a COI.
Does general liability cover my employees?
No. Employee injuries are covered by workers' compensation.
Is a license bond the same as insurance?
No. A bond protects consumers and the state; the contractor must repay the surety for claims paid.
Still unsure?
Answer 3 quick questions and we'll point you to the right official rules.