Bodily injury and property damage
Third party injury and damage arising from your premises, operations, products, and completed work, with defense outside the limit on most standard forms.
The policy everyone assumes they understand. The claims that hurt come from the endorsements, not the declarations page.
Read the endorsements first
Two CGL policies at the same premium can be twenty pages apart in what they exclude. We compare forms, not just prices.
What the policy covers
The pieces, and what each one is actually for.
Coverage A
Coverage B
Personal and advertising injury
Libel, slander, wrongful eviction, and advertising offenses. Increasingly narrowed by endorsement, so the wording matters.
Coverage C
Medical payments
Small no fault medical for injuries on your premises, paid without a liability finding to defuse minor incidents.
Extension
Products and completed operations
Claims arising after your work is finished. The aggregate here is separate and is often the limit that matters in construction.
Endorsement
Additional insured status
Ongoing and completed operations forms, primary and non-contributory wording, and waiver of subrogation. This is what your contracts are actually demanding.
Layered
Commercial umbrella
Excess limits over GL, auto, and employers liability. Follow form is the goal. Umbrella forms that drop coverage below them are common and avoidable.
Read this part
Common exclusions we find on renewal
These are not exotic. They show up on standard small business policies every week, and most insureds have no idea they are there.
- Classification limitation endorsements that void coverage for any operation outside the described class.
- Subcontractor warranty endorsements that require signed hold harmless and certificates from every sub, or the claim is excluded.
- Action over exclusions removing coverage for employee injury suits brought against the customer and tendered back to you.
- Habitability, EIFS, and residential exclusions that make a construction policy useless for the work actually being performed.
- Assault and battery limitations or sublimits on hospitality, security, and social service accounts.
How we place it
Work the inputs before working the market.
Step 01
Map the operations
Every revenue stream, every state, every subcontracted function. Undisclosed operations are how a covered claim becomes a denied claim.
Step 02
Pull the contracts
We read the insurance requirements in your key customer and landlord agreements and place to those requirements instead of guessing.
Step 03
Compare forms side by side
Quotes get scored on exclusions and endorsements, not just premium. You see the comparison, not a summary of it.
Step 04
Set the certificate process
Additional insured endorsements issued correctly the first time, and same day certificates once you are bound.
Where we place volume
Artisan contractorsGeneral contractorsNonprofitsReal estate and habitationalManufacturingDistributorsRestaurants and barsSpecial eventsJanitorialSecurity servicesFitnessProfessional offices
Not on the list is not the same as not placeable. Ask.
Questions we get
Straight answers.
What is the difference between occurrence and claims made?
An occurrence policy responds to injury that happens during the term regardless of when the claim shows up. Claims made responds only while the policy is in force and the retro date is intact. General liability should be occurrence. If you are quoted claims made GL, ask why.
My customer requires primary and non-contributory plus waiver of subrogation. Is that standard?
It is now standard to ask for it and it is not standard to have it. Both are endorsements that must be added, and some carriers charge for them or refuse them by class. We confirm before you sign the contract, not after.
Does GL cover damage to the work I performed?
Generally no. Your own faulty work is a business risk, not an insured loss. Resulting damage to other property can be covered. This distinction ends more contractor claims than any other.
Next step
Send us the submission
Loss runs, current declarations, and five minutes of context. You will hear back the same business day with what we can do and which markets we are approaching.