When you are hiring a general contractor for your construction project, it is important to ensure that they have the proper insurance coverage to protect you in case of any accidents or damages during the project. Here are some common types of insurance coverage that a general contractor should have:

1. General Liability Insurance: This type of insurance covers damages or injuries caused by the contractor or their employees while on the job site. It can also cover legal expenses if the contractor is sued for damages.
2. Workers’ Compensation Insurance: This type of insurance provides coverage for employees who are injured on the job. It covers medical expenses and lost wages, and can protect you from being held liable for any accidents that occur on the job site.
3. Automobile Insurance: If the contractor uses vehicles for work, they should have automobile insurance that covers liability for any accidents or damages caused by the vehicle.
4. Umbrella Insurance: This type of insurance provides additional liability coverage above and beyond the limits of the contractor’s other insurance policies.

When hiring a general contractor, it’s important to ask for proof of insurance and to verify that the coverage is up to date. You can also contact the contractor’s insurance provider directly to confirm that the policy is valid and that the contractor has adequate coverage. This can help protect you from potential liability and financial losses in case of any accidents or damages during the project.