What type of insurance offers coverage against incidents that result in third-party injuries at a job site?

General liability insurance is specifically designed to provide coverage against claims of bodily injury or property damage that third parties may suffer as a result of the contractor's activities on the job site. This type of insurance protects contractors from legal liability in the event that a client, visitor, or passerby sustains injuries or experiences damage to their property due to the contractor's work or the conditions present at the site.

For instance, if a worker from another company slips on a wet surface created by the contractor's activities and is injured, general liability insurance would cover the legal costs and potential settlements or judgments associated with that claim. This coverage is essential for contractors as it helps manage the financial risks of operating in environments where accidents can easily occur.

Workers' compensation insurance, while also important, specifically covers injuries to employees while they are performing work-related duties, not third-party claims. Property insurance protects against damages to the physical property owned by the contractor or any assets but does not cover liabilities related to injuries. Professional liability insurance addresses claims arising from errors or omissions in professional services rather than general accidents or injuries on the job site. Thus, general liability insurance is the appropriate choice for protecting against third-party injury incidents in this context.