General Liability
General
Liability
What is General Liability insurance?
General Liability (GL) is the most common form of liability insurance, providing a broad spectrum of protection including unexpected and unintentional bodily injury, property damage, and personal/advertising injury.
Actively Targeting
- Real Estate - Multi-family real estate investment management and ownership firm, commercial, REITs, hotels, and more.
- Retail - Consumer goods, electronics, clothing, household goods, retail stores, restaurants with available liquor liability.
- Hospitality- Hotels/ Motels, Restaurants, Resorts and Entertainment Venues-ability to add Liquor Liability on selected risk
- Contractors - Artisan contractors such as electrical, HVAC, plumbing, janitorial, ornamental and architectural glass, siding, security.
- Security guards - Premises-based businesses, such as catering, bowling alleys, movie theaters, delis, diners, bodegas, grocery stores.
- Manufacturers - Includes difficult-to-place product exposures like sporting goods and drones.
Excluded classes
General contractors, oil and gas, aircraft and married, auto parts (including tires), pharmaceuticals and nutraceuticals, medical devices, railroads.
- $10M capacity
- $1m each occurrence or claim/$2m products/completed operations aggregate ($5m general aggregation limit)
- $2m each occurrence or claim/$4m products/completed operations aggregate ($5m general aggregation limit)
- Bodily injury and property damage to a third party, advertising injury, personal injury, product liability, completed operations liability, damage to rented premises, hired and non-owned auto, employee benefits and stop gap.
- Proprietary Occurrence or Claims Made forms
- Standard surplus lines coverage with admitted paper abilities based on state filings and case by case basis
- Enhancements include: packaging available for Cyber and Media (Admitted). Packaging available for Cyber, Media and Crime (Surplus)
- States approved: filling in all 50 states plus D.C. (Admitted). All states plus D.C., Puerto Rico and Guam (Surplus)
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Related products
Package GL with the following products: Allied Healthcare, Architects & Engineers, Miscellaneous Professional Liability, Terrorism, Cyber, Crime, and Technology.
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