White accident icon showing a person with his arm in a sling

File a Claim

Log into the NICA Direct app to file a claim or call Arthur J. Gallagher Risk Management Services at 800-821-5401 Ext. 5216 or 5522.

General Liability Insurance

General Liability Insurance is a foundational type of business insurance that protects against financial losses from claims of bodily injury, property damage, or personal and advertising injury caused by your business operations.

White Interior Design Icon
Kathryn MacDonald
Interior Designer
Boston, MA   |    Member since 2025
Kathryn MacDonald Gig Worker Headshot
White repairs icon showing a wrench and gear
Repairs
Covered
Green checkmark icon
White medical bills icon showing a document and cross symbol
Medical Bills
Covered
Green checkmark icon

What is General Liability Insurance?

For independent contractors and contracting companies, like those supported by NICA Direct, this General Liability Insurance is essential for managing risks and ensuring compliance with client requirements.

General Liability Insurance is a critical safeguard for independent contractors who often work in environments where accidents or damages can occur. For example, if a contractor accidentally damages a client’s property during a job or if a passerby is injured at a worksite, this insurance covers the costs of medical bills, repairs, and legal fees. It also protects against claims like slander or copyright infringement in advertising materials.

Why Independent Contractors Need General Liability Insurance

Whether you’re a contractor or a company, General Liability Insurance provides peace of mind and financial security, allowing you to focus on your work without worrying about unexpected claims.

For Contractors

Carrying General Liability Insurance is not just about protection, it’s often a requirement to secure contracts and maintain employability.

For Contracting Companies

General Liability Insurance helps companies ensure their workforce is covered, reducing liability risks and fostering trust with clients.

Become a NICA Direct Member Today!

NICA Direct provides Independent Contractors and Gig Workers with affordable benefits and services, from insurance protection to tax preparation, making it simple to manage the essentials of self-employment.

Click to Enroll