General Liability

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.

Appetite

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.

Capacity
  • $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)
Coverage & Benefits
  • 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 HealthcareArchitects & EngineersMiscellaneous Professional LiabilityTerrorismCyberCrime, and Technology

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

Real estate broker

A Hiscox-insured real estate broker was showing a property when the potential buyer slipped and fell on the steps, injuring himself. The brokers General Liability policy covers the expenses associated with the bodily injury of the potential buyer. 

Real estate broker

A Hiscox-insured real estate broker was showing a property when the potential buyer slipped and fell on the steps, injuring himself. The brokers General Liability policy covers the expenses associated with the bodily injury of the potential buyer. 

Photographer

At a wedding, the photographer’s tripod fell over and landed in the cake. There were no injuries, but the bride requested that the photographer reimburse her for the cost of the ruined cake. Fortunately, the photographer’s Hiscox General Liability policy covered the damages. 

Photographer

At a wedding, the photographer’s tripod fell over and landed in the cake. There were no injuries, but the bride requested that the photographer reimburse her for the cost of the ruined cake. Fortunately, the photographer’s Hiscox General Liability policy covered the damages. 

Spa facility

A new spa opened up in on the edge of a residential area. A stray dog wanders onto the spa’s property and bites a customer on the leg. The customer is injured, but the spa’s Hiscox General Liability policy covered the cost of the bodily injury. 

Spa facility

A new spa opened up in on the edge of a residential area. A stray dog wanders onto the spa’s property and bites a customer on the leg. The customer is injured, but the spa’s Hiscox General Liability policy covered the cost of the bodily injury. 

Dental office

A delivery person tripped on some loose flooring in the entryway to a dental office, breaking his leg. The dentist had a Hiscox General Liability policy which covered the medical expenses associated with the injury.

Dental office

A delivery person tripped on some loose flooring in the entryway to a dental office, breaking his leg. The dentist had a Hiscox General Liability policy which covered the medical expenses associated with the injury.

Key contacts

Bryan Kohlbecker
General Liability Product Head

News and insights

We have a team of experts across the industry. Read their latest advice, find useful thought leadership, and discover industry news.

Visit the Hiscox Blog

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