Which type of insurance would usually cover damage to property while a job site accident occurs?

General liability insurance is designed to protect against claims of bodily injury or property damage that can occur during business operations, including those at a job site. This type of insurance would typically cover damages to third-party property, which is particularly relevant in construction and contracting work where accidents can lead to unintended damage to surrounding properties or structures while work is being performed.

For instance, if equipment accidentally damages a neighbor's property or if a subcontractor inadvertently causes damage during the execution of their duties, general liability insurance would provide coverage for these incidents. This insurance is crucial for contractors to manage risks associated with their day-to-day operations and maintain financial stability in case of unforeseen events.

The other types of insurance mentioned serve different purposes: workers' compensation covers employees' injuries on the job but does not protect against property damage; auto insurance pertains to vehicles and not job site incidents; and property insurance specifically covers damage to the insured's own property rather than damages inflicted on third-party property.