Product: General Liability

General liability in the contractor's name.

Third-party bodily injury and property damage, bound per engagement. The client, venue, or platform is added as additional insured. Their requirement is met without their own policy being touched.

See it in your flow →Sample GL COI
General Liability
● Active
Insured
Independent Contractor (named)The contractor is the named insured. Platform, client, or venue can be added where required.
Coverage
Contractor-named GLGeneral liability for covered third-party bodily injury and property damage claims, issued on specialty market paper.
Trigger
Per-engagementActive for the job window and matched to the assignment, site, and customer-of-record.
Availability
49 states + DCGeneral liability is available in every state except Hawaii.
Time to bind
Under 60 secondsAverage enrollment + assignment details
COI delivery
Instant PDFFetch via API or dashboard. Additional insured supported where required.
Specialty market paper Risk capital partner-backedPer engagement · per exposure
What GL covers

Three exposures, one general liability policy.

Third-party bodily injury

Non-employee injury claims arising from the contractor's work, with legal defense costs included.

  • Defense costs included
  • Per-occurrence and aggregate limits
  • Named in the contractor's policy

Third-party property damage

Damage to a client's, venue's, or third party's property during the engagement.

  • Covered per occurrence
  • Repair or replacement
  • Claims handled by the carrier

Additional insured on demand

The client, venue, or platform is added as additional insured per engagement, meeting their requirement without touching their own policy.

  • Blanket AI supported
  • Instant COI evidence
  • Per-engagement issuance
49
States + DC · all except HI

Per-job general liability across 49 states + DC.*

GL availableNot yet available
*Hawaii is the one state where GL is not currently available. Every other state, plus DC, binds per job through the same API.
AL
AK
AZ
AR
CA
CO
CT
DE
FL
GA
HI
ID
IL
IN
IA
KS
KY
LA
ME
MD
MA
MI
MN
MS
MO
MT
NE
NV
NH
NJ
NM
NY
NC
ND
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VA
WA
WV
WI
WY
DC
How it binds

Bound before the job starts.

Contractor opts in

Embedded in your existing onboarding. Role, assignment, site, and customer-of-record are the inputs the carrier needs to underwrite.

We bind

Carrier-backed quote returns in under a second. Premium calculated by coverage, exposure, and engagement details.

COI delivered

Instant PDF naming the client, venue, or platform as additional insured. Archived for retrieval, accessible via API or dashboard.

Call to action section for 1099Policy

Watch a COI issue in real time.

We'll wire GL into your dispatch or onboarding flow with sample contractors and walk you through AI endorsements, COI delivery, and the claims path.

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Jack Morton
Technet
Current Global
Golin
Built for 1,200+ agencies and platforms managing contractor risk