General Liability

A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?

In today’s tightening market, successful agents go beyond quoting—guiding middle-market clients to understand underwriting, improve their risk profile, and become accounts insurers want to write.

Agents can help find a way to deliver comprehensive protection and streamlined service to small businesses that face unique challenges.

A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.

“Most insurance companies consider general liability the cornerstone line of business for an account,” says independent agent Brad Berrong. “Normally, if a company does not consider this type of exposure, it will not accept other lines of insurance for that account.”

Consumer litigation activity continues to impact the market adversely, with third-party funding driving additional litigation costs, higher settlements and higher premiums.

“It’s on us to understand what opportunities technology provides our industry to be more efficient and grow at a faster rate than generations before us,” says young agent Ryder Roberts.

An insured lives in Connecticut but is building a new one-family home on their property in Massachusetts.

A contractor with an ISO commercial general liability policy experienced a property damage claim. The carrier says it owes the actual cash value (ACV) for repairs but the agent believes the carrier owes the full cost to repair.