General Liability
Core general liability coverage protecting contractors from third-party bodily injury, property damage, and personal injury claims arising from your operations, job sites, and completed work.
Contractors face unique on-site risks every day — from accidental property damage to third-party bodily injury claims that can shut down a project. Soma's specialist Risk Management Team sources contractor-grade general liability coverage fast, placing policies others won't touch. One application, the right coverage, and no chasing brokers. Protect your business before your next job starts.
Comprehensive GL coverage options built around the real risks contractors face on every job site.
Core general liability coverage protecting contractors from third-party bodily injury, property damage, and personal injury claims arising from your operations, job sites, and completed work.
Project-specific and contractor program insurance including Contractor Liability, Completed Operations, Builders Risk, and Installation Floater — structured to meet lender and contract requirements.
Coverage protecting structures under construction from foundation to completion, safeguarding against fire, theft, vandalism, and weather damage throughout the project lifecycle.
Insurance for contractor yards, offices, tools, and equipment stored at your premises, covering physical damage from covered perils across every business property category.
Commercial auto coverage for contractor vehicles, work trucks, and job-site transport fleets — including hard-to-insure vehicles and specialty equipment carriers others won't place.
Soma's expert Risk Management Team analyzes your contracting operations, identifies exposures, and matches you with the right GL program at the right price through a seamless single application.
Contractors often struggle to find general liability insurance that matches the complexity of their work — especially specialty trades, high-risk operations, or businesses with prior claims. Soma places contractor GL where standard brokers can't, leveraging carrier relationships with Chubb, Liberty Mutual, Kinsale, and more. Whether you're a sole-trade subcontractor or a multi-crew general contractor, our Risk Management Team delivers fast quotes, right-sized coverage, and none of the waiting that typical brokers put you through.
See how contractors across industries have secured the right GL coverage fast through Soma.
Soma isn't a typical broker — we specialize in placing complex, hard-to-insure contractor risks with speed and precision.
We place contractor GL policies others won't, including high-risk trades, prior claims, and specialty operations across every construction category.
One application gets you competitive GL quotes fast — no waiting weeks or chasing brokers while your project start date approaches.
Access to hundreds of carriers including Chubb, Liberty Mutual, and Kinsale ensures contractor clients get the best-fit coverage at the right price.
Our dedicated Risk Management Team understands contractor exposures in depth, structuring GL programs that satisfy contract, lender, and owner requirements.
Specialists who understand contractor risk inside and out.
Soma is purpose-built for businesses that standard brokers turn away — and contractors are at the heart of what we do. Our Risk Management Team has processed thousands of construction and contracting businesses, learning the nuances of specialty trades, project-based exposures, and the contract compliance requirements that come with every new job. We work with leading specialty carriers — Chubb, Liberty Mutual, Kinsale, and more — to build GL programs that fit the way contractors actually operate. From sole-trade subcontractors to large general contractors managing multi-trade developments, Soma delivers fast, affordable, and complete coverage through a single streamlined application. We don't just find you a policy — we find you the right one.
General liability insurance covers third-party claims for bodily injury, property damage, and personal or advertising injury. For example, if a visitor is injured on your job site or you accidentally damage a client's property during work, GL pays for legal defense, settlements, and medical costs. Most policies also include Products and Completed Operations coverage for claims arising after work is finished.
Speak with a Soma specialist who understands contractor insurance inside and out.
Access to Chubb, one of the world's leading commercial insurers
Preferred access to Liberty Mutual for contractor liability programs
Committed to transparency and ethical business practices
Fill out our single application and a Soma Risk Specialist will reach out to match you with the right general liability coverage — fast, competitive, and built for the way contractors work.