Which insurance covers injury, death, and property damage from operations performed by independent subcontractors?

Contractor's Protective Liability Insurance is specifically designed to cover incidents that may occur as a result of operations performed by independent subcontractors. It provides protection against claims for bodily injury, death, and property damage that arise from the work subcontracted to independent parties.

By securing this type of insurance, a contractor ensures that any liabilities stemming from the actions of subcontractors during the execution of their work are covered. This is especially important in construction and similar industries where subcontractors are frequently employed for various tasks that can pose risks to third parties or property, and the general contractor might still be held responsible for those risks.

In contrast, General Liability Insurance typically covers the general operations of a business but may not specifically address liabilities from subcontractors. Workers' Compensation Insurance offers protection for employees injured on the job, not subcontractors or third-party claims. Property Damage Insurance generally focuses on covering damage to property rather than injury or death claims.