Insurance
General Liability
Third-party injury and property damage, covered properly.
General liability is the base layer of commercial insurance. It answers third-party injury and property damage claims, and it picks up the defence costs, which regularly come to more than the settlement does.
The detail matters far more than the headline limit. Completed operations, the contractual liability you’ve taken on in customer agreements, additional insured requirements, and the exclusions attached to your particular class of business are what decide whether a claim gets paid.
What you get
Defence included
Legal costs covered, and they frequently outrun the settlement itself.
Completed operations
Cover for work you’ve already finished, which is routinely under-specified.
Matches your contracts
Lined up with what you’ve signed up to with customers.
Additional insureds
Endorsements that satisfy your contracts without stretching the cover too far.
General Liability
Let's talk about general liability.
Cover for bodily injury, property damage and personal injury claims coming out of your operations, your premises and work you’ve already finished.