Which type of insurance protects a contractor if a third party is injured on the job site?
Explanation
Commercial general liability answers third-party claims for bodily injury and property damage, which is exactly the visitor or neighbour hurt on the site. Workers' compensation covers the contractor's own employees and is the exclusive remedy for them, so it does not reach a third party. Builder's risk insures the structure under construction against physical loss, paying for damage to the work rather than for someone's injury. Errors and omissions covers professional advice and design, a risk a builder usually does not carry.
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