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Coverage
The policy clients and landlords ask to see before anything begins. It responds when your operations injure someone or damage their property — and the certificate is often the thing standing between you and a signed contract.
Third-party injury and damage arising from your premises, operations and products — and the defence that comes with it.
A visitor hurt on your premises, or injury caused by your operations.
Damage your work or operations cause to someone else’s property.
Defamation, disparagement and certain copyright claims arising from your advertising.
Claims that surface after the work is done or the product is sold.
Small injury costs paid quickly, without waiting for fault.
The carrier’s duty to defend covered claims, usually outside the limit.
If anyone outside the business can be injured by it — or demands a certificate before working with it — this is the policy.
No certificate, no job site — general contractors demand it before you set foot on one.
Landlords require liability cover naming them as additional insured.
Visitors, site visits and deliveries all carry slip-and-fall exposure.
Foot traffic is the business model and the exposure at once.
Product claims follow the goods long after they ship.
One afternoon of public attendance carries a year of ordinary exposure.
Contractor general liability and product liability are forms of this line written for particular trades and exposures — and general liability explicitly excludes professional advice and cyber events, which is what E&O and cyber policies are for.
A one-page proof of cover that contracts and landlords demand. A licensed specialist reviews your request and walks you through real options, and the certificate is issued once cover is bound.
No — it is third-party cover. Your own people need workers compensation, your own property needs a property policy.
No — advice and service failures are professional liability territory, explicitly excluded from GL forms.
Contracts often require naming the client or landlord on your policy so your cover protects them too — standard, but it must be endorsed properly.
Carriers set the premium, not us. Pricing runs on industry, revenue, payroll, location and claims history. We shop your risk to A-rated markets — quotes are free, no obligation, and a licensed specialist reviews your request.
One million per occurrence and two million aggregate is the common floor — send us the insurance clause and we will match it exactly.
Their work can create claims against you, but they need their own cover — and your contract should require certificates from them.
If you also have premises or equipment, bundling GL with property in a business owners package usually costs less than the two apart — we quote both.
