— And Why Fragos Insurance Group is Your Trusted Partner

What Is General Liability Insurance?

General liability insurance protects your business from common risks that can lead to costly lawsuits or claims. For contractors, this usually includes:

• Bodily Injury: If someone is injured due to your work or on your job site.
• Property Damage: If you accidentally damage a client’s property while working.
• Legal Defense Costs: If you’re sued, your policy can help cover legal fees.
• Personal and Advertising Injury: Protection against claims like slander or false advertising.

Without proper coverage, even a single incident can be financially devastating.

Why Insurance Is Crucial for Contractors

Whether you’re installing wiring in a new build or repairing a leaky pipe in a commercial property, you face significant liability exposures. Accidents happen—even to the most experienced pros. Here’s why insurance matters:

• Client Requirements: Many clients require proof of liability insurance before hiring you.
• License & Compliance: In many states, proper insurance is required to maintain your contractor’s license.
• Credibility: Insurance boosts your professionalism and trustworthiness.
• Peace of Mind: You can focus on the job, knowing you’re protected from potential risks.

What Types of Insurance Should Contractors Have?

While general liability is a cornerstone, a comprehensive insurance plan should include several key policies:

1. General Liability Insurance

As mentioned, this protects against third-party claims of bodily injury, property damage, and more.

2. Commercial Auto Insurance

If you use a vehicle for work—whether to transport tools, materials, or employees—commercial auto coverage is a must.

3. Workers’ Compensation

If you have employees, this is typically required by law and covers medical expenses and lost wages if they get injured on the job.

4. Tools and Equipment Coverage

Protects your valuable gear from theft, loss, or damage on the job site or in transit.

5. Professional Liability (Errors & Omissions)

Especially useful if your work involves design or consulting, this covers claims arising from mistakes or negligence in your professional services.

Why Choosing the Right Agency Matters

Not all insurance agencies understand the unique needs of trade contractors. At Fragos Insurance Group, we do.

• ✅ Industry Expertise: We have deep experience working with plumbers, electricians, HVAC techs, and other skilled trades.
• ✅ Tailored Policies: We don’t do one-size-fits-all. We customize coverage based on your business size, services, and risk exposure.
• ✅ Responsive Service: Quick certificate turnaround, proactive policy reviews, and hands-on support when you need it most.
• ✅ Strong Carrier Relationships: We work with top-rated insurers to secure comprehensive coverage at competitive rates.

Partner with Fragos Insurance Group—Your Risk Is Our Business
As a trade contractor, your tools are your livelihood—but your insurance is your safety net. Don’t trust just any agency to protect your hard work.

Fragos Insurance Group is committed to helping you build a stronger, safer business. Let us handle the risk, so you can focus on the job.

📞 Contact us today to get a free quote or review your current policy.
🔗—let’s talk protection that works as hard as you do.

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