The terms General Liability and Total Liability sound like exact synonyms. In the insurance industry, they are two completely different things.
Contractors purchasing a policy will definitely need some form of general liability coverage, but they may also want to extend that coverage with a higher policy limit. Total liability coverage adds to the total allowed sum of claims for not just general liability policies, but potentially for other coverage like worker’s compensation and commercial auto insurance. For this reason, total liability policies are often called “umbrella policies” since they increase the amount of coverage for several types of claims at once.
Still confused? Read on to learn more about the specific differences between general liability and total liability coverage. Read more