One Project, One Policy

Single-Project General Liability Insurance

Not every contractor needs — or wants — an annual GL program. Single-project general liability insurance covers you for one specific project, with limits and pricing tailored to that job alone. No annual audit. No minimum earned premium. Coverage that matches your actual exposure.

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What Is Single-Project GL Insurance?

Single-project general liability (GL) insurance is a policy written specifically for one construction or contracting project. Instead of an annual policy that covers all your operations throughout the year, a single-project policy has a defined start and end date tied to a specific job — and is priced accordingly.

Annual GL policies are priced based on projected annual revenue and are subject to an audit at year-end. If your revenue is low or intermittent, an annual policy can be expensive relative to your actual exposure. A single-project policy eliminates that mismatch — you pay for the coverage you actually need on the job you're actually doing.

Single-project policies are structured the same as annual GL policies: per-occurrence and aggregate limits, additional insured endorsements, waiver of subrogation — all the standard provisions your contracts require.

What's Covered

Third-party bodily injury at the project site
Third-party property damage caused by your work
Personal and advertising injury liability
Products and completed operations coverage
Contractual liability assumed in your contract
Medical payments for minor injuries
Single-project general liability insurance for contractors

Who Needs Single-Project GL?

Occasional contractors who rarely need GL coverage
Subcontractors on a one-off project outside their normal scope
Contractors whose annual policy excludes the project type
New contractors who haven't yet established an annual program
Contractors bidding a project requiring higher limits than their annual policy
Contractors whose annual policy is mid-audit and unavailable

Advantages of Single-Project Coverage

No Year-End Audit

Annual GL policies require a premium audit at policy expiration. Single-project policies are fully earned at the project end — no audit, no surprise additional premium.

Priced for Your Actual Project

Annual policies price based on projected annual revenue. Single-project policies are priced on the actual contract value and project type — no overpaying for revenue you don't have.

Available When Annual Markets Won't Write

Some project types (condos, high-rise, asbestos abatement, certain demolition) are excluded by annual markets. Project-specific markets often write these when annual carriers won't.

Single-Project GL FAQ

How is single-project GL priced?
Single-project GL is priced based on contract value or project revenue, project type (residential, commercial, industrial), project duration, your trade or specialty, and your loss history. Most small-to-mid project quotes range from a few hundred to several thousand dollars.
Does single-project GL include completed operations?
Yes. Most single-project GL policies include a completed operations tail — coverage for claims that arise after the project is finished. The tail period varies by carrier but is typically 1–5 years after project completion.
Can I get a certificate of insurance for a single-project policy?
Yes. Once your single-project GL is bound, we issue standard ACORD 25 certificates of insurance with the project owner, GC, or lender listed as additional insured — just like an annual policy.
Is single-project GL the same as an OCIP or CCIP?
No. A single-project GL is purchased by you as an individual contractor for your own coverage. An OCIP or CCIP is a wrap-up program purchased by the project owner or GC that covers all contractors and subs on the project under one master policy.

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