Which insurance would typically respond to property damage caused during work performed by a contractor on a client's site?

Which insurance would typically respond to property damage caused during work performed by a contractor on a client's site?

• A. Auto insurance
• B. General liability
• C. Homeowners policy
• D. Health insurance

Answer: (B)

General liability insurance covers damage to someone else’s property caused by the contractor’s work on a client’s site. It protects the business from claims of property damage or bodily injury that arise from its operations, and it can include defense costs. Auto insurance covers damage related to vehicles, not property damaged by on-site work. A homeowners policy is mainly for the homeowner and may not provide primary coverage for a contractor’s on-site activities. Health insurance covers medical expenses, not property damage from construction work.

General liability insurance covers damage to someone else’s property caused by the contractor’s work on a client’s site. It protects the business from claims of property damage or bodily injury that arise from its operations, and it can include defense costs. Auto insurance covers damage related to vehicles, not property damaged by on-site work. A homeowners policy is mainly for the homeowner and may not provide primary coverage for a contractor’s on-site activities. Health insurance covers medical expenses, not property damage from construction work.