Which of the following is a general coverage area for contractors needing liability insurance?

Comprehensive General Liability (CGL) is specifically designed to protect contractors from various risks associated with their operations. This type of insurance covers bodily injury, property damage, personal injury, and advertising injury that might occur during the course of a contractor's work. It is crucial for contractors, as they are often exposed to potential claims that could arise from accidents at job sites, damage to third-party property, or injury to clients and workers.

CGL policies typically include coverage for the contractor’s legal defense costs, should they face a lawsuit related to these claims, making it an essential component of risk management for contractors. This broad coverage is vital in the construction industry, where multiple parties, including subcontractors and clients, interact.

In contrast, the other options do not provide appropriate coverage for contractors needing liability insurance. Personal property protection focuses on safeguarding one’s personal belongings rather than liability risks. Life insurance serves to provide financial security to beneficiaries upon the policyholder's death, which is unrelated to business operations. Health insurance for subcontractors mainly addresses medical expenses rather than liability concerns. Thus, CGL stands out as the most relevant and comprehensive choice for contractors in need of liability coverage.