You need a policy with a “Care Custody & Control” rider if you want the insurance to cover your work. General liability only covers the customer’s property in case of an accident but doesn’t cover your work. For example, with general liability, your ladder falls over and lands on the hood of the customer’s BMW, your insurance will fix it. But, if you accidentally use bronze wool on a Low-E coated picture window and ruin it, that’s on you.
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