CGL premium rate are generally based on your annual receipts and your labor costs, payroll and costs of subcontractors.
Also effecting your insurance rate will be whether you require your subcontractors provide you with proof of their own liability insurance for their work performed or if you are going to provide coverage for the Subcontractor as well under your own General Liability Policy. This greatly effects the risk factor associated with your coverage.
The above being said, You could find a rate as low as 16 hundred dollars a year for a small contractor or several million dollars a year for a very large contractor.
It really just depends on the volume of annual work to be covered and the scope of coverage needed.
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