Which type of insurance protects contractors from claims of bodily injury and property damage?

General liability insurance is specifically designed to protect contractors from claims related to bodily injury and property damage that may occur as a result of their business operations. This type of insurance provides coverage in situations where a contractor's actions, or the actions of their employees, result in injury to a third party or damage to another person's property. For example, if a contractor accidentally damages a client's property while performing work or if someone is injured on the job site due to negligence, general liability insurance helps cover the costs associated with those claims, including legal fees and settlements.

In contrast, health insurance primarily focuses on covering medical expenses for individuals. Workers' compensation provides benefits to employees who are injured on the job, covering their medical costs and lost wages, but it does not cover claims made by third parties. Professional liability insurance is intended to protect against claims of negligence or failure to provide professional services, which is more relevant to professions such as lawyers or architects rather than general contracting work. Therefore, general liability insurance is the most appropriate type of coverage for addressing the specific risks associated with bodily injury and property damage in the contracting field.