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General Liability

Today’s companies face an ever-present threat of lawsuits, a reality of doing business in our litigious society. In the event of suit - whether it involves injury or property damage - safeguard your client’s assets and protect against the unexpected with general liability insurance. Our underwriting experience and carrier stability allows us to insure a wide array of traditional and hard-to-place risks.

Classes of Business

Construction: General liability coverage for small and large businesses working on commercial, residential, and multi-unit structures

Installation, Service & Repair: General liability coverage for businesses that install, service, or repair a variety of products

Manufacturing & Distributing: Coverage for all types of companies that make or ship products

Non Profit: Fraternal Club, Storefront Community Churches, Social Services & Youth Sports

Prize Indemnification: Grand slam home runs, half-court basketball shots, holes-in-one, paper airplane tosses, record-sized fish catches

Stores & Rental Operations: Protection for retailers from accidents that occur in relation to their business

Service Businesses: Artisan/Trade Contractors, Beauty/Nail Salons, Child Care, Concessionaire & Vendors, Janitorial Services, Lawn Care

Special Event: General Liability and/or Liquor Liability for short-term events, Concert in the Park, Fishing Tournaments, Summer Festivals, Weddings

Transportation: Insurance coverage for “on-the-road” businesses needing more than auto insurance.


  • Bars
  • Amusement Devices
  • Fitness Centers
  • Gasoline Sales
  • Jet Ski & Boat Rental
  • Laundromats
  • Lessor’s Risk
  • Pet Care
  • Restaurants
  • Security Guards
  • Tanning Salon
  • Stucco or Plastering Work
  • Tree Trimming
  • Vacant Land
  • Vacant Building
  • Welding


  • $1,000,000 Occurrence
  • $2,000,000 General Aggregate
  • $2,000,000 Products/Completed Operations Aggregate
  • $1,000,000 Personal & Advertising Injury
  • $300,000 Fire Legal Liability
  • $10,000 Medical Expense

Optional Coverages (class specific)

  • Blanket Additional Insured
  • Waiver of Subrogation
  • Professional Liability
  • Sexual Abuse & Molestation
  • Hired & Non-Owned Auto
  • Primary & Non contributory wording

Commercial Umbrella & Excess Liability (included but not limited to)

  • Minimum attachment point of $1,000,000
  • Limits of Liability up to $25,000,000
  • Eligible classes: Building & Premises, Construction, Habitation, Mercantile & Social Services
  • Excess Umbrella coverage available

Let Us Be a Leader For You!

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We back our services with more than 60 years of industry experience and strive to find innovative solutions for our clients and their hard-to-place risks. As a principal in our industry, we put the power of exceptional customer service, competitive pricing and proven expertise to work for our clients every day.

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