Coverage Overview
What's Typically Covered
- General Liability — third-party injury and property damage
- Completed Operations — defect claims after project completion
- Workers Compensation — required for employers
- Commercial Auto for contractor vehicles
- Builder's Risk — coverage during active construction
- Tools and Equipment / Inland Marine
- Performance and Payment Bonds
- Commercial Umbrella / Excess Liability
General Contractor Insurance in Pennsylvania
Business Insurance Brokers LLC is licensed in Pennsylvania and writes general contractor insurance programs with the GL limits, additional insured endorsements, and certificate management that Pennsylvania project owners require. Pennsylvania requires Home Improvement Contractors to register with the Attorney General's office and carry liability insurance. Commercial GCs are subject to local licensing in Philadelphia, Pittsburgh, and other municipalities.
What {state_name} Project Owners Require
Most commercial construction contracts in Pennsylvania require minimum GL limits of $1M per occurrence / $2M aggregate, commercial auto, workers comp, and umbrella coverage. Public projects typically also require performance and payment bonds. We structure your program to meet these requirements and deliver certificates when you need them for bids.
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