General Liability

A local chamber of commerce is hosting a petting zoo for which a person is letting the chamber use their animals. Event attendees will be required to sign a waiver.

A marina will often tow a non-owned trailer, with or without a boat, on marina property and occasionally on a public road. The carrier will not give the agency a definite answer about coverage.

A commercial insured has been served with benzene exposure lawsuits, with exposure going back to the 1980s. Should the agency put the general liability carrier and excess general liability carrier on notice at the time of first notice of loss? The insured has switched carriers over the decades.

Design responsibility is a growing area of risk that general liability simply wasn’t designed to cover, and it’s starting to catch more contractors off guard.

Agents can succeed in the general liability market by developing deep expertise, staying ahead of renewals, setting clear expectations and positioning themselves as trusted advisors.

In an increasingly complex risk landscape, the commercial general liability insurance market is experiencing significant change, marked by tighter coverage terms and a growing number of exclusions.

Risk managers for private and school-sponsored summer camps need to understand the risks they face and take appropriate measures to prepare for and protect against accidents that can threaten camp patrons, employees and the business.

An agency insures several contractors that do work for unit owners within a homeowners association (HOA). The HOA asked to be an additional insured on these contractors’ policies. Without incurring a large expense by scheduling the HOA as each job arises, what is the best way to endorse the contractors’ policies to include the HOA…

The program targets businesses with annual receipts of up to $5 million across 80 different class codes in the construction segment, including residential home builders and commercial builders.

By instructing clients on four proactive safety procedures, insurance agents have the unique opportunity to help their clients prevent a liability claim from ever occurring and to defend against claims that are made.