How to get general liability insurance as an independent contractor
As a tech contractor, general liability insurance might not be at the top of your list of priorities. But when something goes wrong, it can protect you from a costly lawsuit. Here’s how to get this important policy in four steps.
1. Apply for general liability insurance online
Like most other types of insurance, securing general liability insurance for contractors starts with an application. When you work with TechInsurance, you can apply online and get quotes from top carriers.
Here are a few tips to make the online application process easier:
- Set aside 15 to 20 minutes to complete the application.
- Be prepared to provide basic information about your business, including your business address, the square footage of your office space, number of employees, payroll, and revenue.
- Use the “chat” feature if you’re not sure how to answer a question. Our questions come from our carriers, and sometimes they may seem very specific. But we have staff on hand to clear up any confusion.
2. Get help from your insurance agent
Once you’ve submitted your application online, you’ll be assigned an agent who will reach out to help you choose the coverage that makes the most sense for your business. Our agents are specialists in independent contractor insurance, so they're prepared to handle your questions.
Questions you might want to ask include:
3. Sign the policy to start coverage
Once you’ve chosen a quote, your agent will send you an email with the necessary documents attached. In order to begin coverage, you’ll need to sign these documents and make your first premium payment. Many policies offer payment plans so you don’t have to pay the entire premium at once. However, paying your annual premium upfront could save you money in the long run.
The technology businesses we serve pay a median of $28 per month for general liability insurance. For more details on the cost of this policy, visit our general liability insurance cost page.
4. Let clients know you’re insured
Now that you have general liability coverage in place, you can advertise yourself as an insured contractor when you approach a prospective client or submit a bid for a new project. Many clients prefer to work with insured contractors, since that means the client can be certain the contractor has the means to respond to any potential bodily injury, property damage, or advertising injury lawsuit.
Get free quotes and compare policies with TechInsurance
TechInsurance helps IT and tech business owners compare business insurance quotes with one easy online application. Start an application today to find the right policy at the most affordable price for your business.