A client can sue you for damage to their property or any injury caused to the client/third party while on your construction site . The General Liability policy is the answer to such issues and the resulting financial strains that may arise due to resulting lawsuits. The general liability policy not only covers your legal defence costs, but also pays the damages owed to a client/third party. Suffice to say this is the most important policy for a contractor.
A Permit bond is considered a contract between the following 3 parties: you, the client and insurance company. A permit bond or license allows you to perform your work and is a contract that guarantees that you will perform your work in a manner compliant to the laws and safety guidelines issued by the federal or provincial regulators. Damages caused to your client due to your non-compliance to safety guidelines and building codes can be paid for by your insurer.
As a general contractor, you may hire subcontractors to perform specific tasks. By enforcing that your subcontractors have their own insurance, you limit the liability to yourself in case their work results in injury. You may also be able to add subcontractors into your own policy for an additional cost, though any claims would then flow through your own policy
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