small business insurance

General liability insurance is the policy most contractors carry first — and the one most misunderstood. From third-party bodily injury to completed operations, this deep dive breaks down exactly what GL covers, what it explicitly excludes, and why it's the foundation of a contractor's insurance program rather than the whole structure.

Tool and equipment insurance protects contractors from theft, accidental damage, and weather-related losses — but the exclusions are where most people get caught off guard. From tools left in unattended vehicles to mechanical breakdowns and mysterious disappearances, standard policies have more gaps than many contractors expect. This guide breaks down exactly what's covered, what's not, and how to make sure your coverage actually reflects the value of the equipment keeping your business running.