Commercial General Liability
General Liability also referred to as Comprehensive Commercial Liability coverage is the most basic type of commercial insurance and is an essential component of a comprehensive risk management strategy for businesses. General liability insurance provides protection against third-party claims, including bodily injury, property damage, and legal expenses resulting from accidents or negligence. This coverage is particularly vital for business that engage with customers, clients, or the public, as even major incidents can lead to costly litigation and financial liabilities.
A package policy for General liability and Property also safeguards a business's physical assets, including buildings, equipment inventory and furnishings, against perils such as fire, theft, vandalism, and natural disasters. Without adequate coverage, the financial burden of repairing or replacing damaged assets can be substantial, potentially jeopardizing business continuity. By securing both general liability and property insurance, businesses can mitigate financial risks, ensure operational stability, and uphold their long-term sustainability. Comprehensive insurance coverage is a crucial safeguard for any business seeking to protect its assets and financial interests.
Builder's Risk
Builder’s Risk Insurance is essential for any construction or renovation project—whether residential or commercial. During the course of construction, the site is exposed to unique risks like fire, theft, vandalism, and weather-related damage. Without proper coverage, a single incident could cause costly delays or major financial losses. This policy provides protection for the building under construction, materials on-site, and even equipment in transit. Whether you're a property owner, contractor, or developer, Builder’s Risk Insurance ensures your investment is safeguarded until the project is completed and ready for use.
Who Needs Builder’s Risk Insurance?
- General Contractors
- Property Owners & Developers
- Construction Managers
- House Flippers or Remodelers
What Does It Cover?
- Fire, lightning, or explosions
- Theft or vandalism
- Wind or hail damage (varies by policy)
- Water damage (specific causes)
- Materials and equipment on-site or in transit
What’s Typically Excluded?
- Employee theft
- Wear and tear
- Flood or earthquake (unless added by endorsement)
- Faulty workmanship or design
- Mechanical breakdown
Aspect | General Liability Insurance | Builder's Risk Insurance |
---|---|---|
Purpose | Protects against third-party claims for bodily injury, property damage, or advertising injury caused by the contractor's operations. | Covers physical damage to the building under construction, including materials, equipment, and supplies on-site. |
Coverage Type | Third-party liability insurance (injuries or damages to others). | First-party property insurance (damage to the project itself). |
Policyholder | Contractors, subcontractors, business owners. | Typically held by the general contractor or property owner responsible for the project. |
Coverage Details | Legal fees, settlements, or judgments due to accidents or property damage caused by contractor activities. | Repair or replacement costs due to events like fire, theft, vandalism, storms, or defective workmanship affecting the project during construction. |
Duration | Ongoing coverage, typically year-round as long as business operations continue. | Temporary coverage for the project duration until construction is completed or handed over. |
Does Not Cover | Damage to the contractor's own property or the project under construction. | Liability for injuries or damage caused to third parties. |
Eligible Classes
Retail & Shops
- Gift Shops
- Grocery Stores
- Clothing Stores
- Convenience Stores (w/ or w/o gas)
- Hardware Stores
- Auto Parts Stores
- Vape Shops / Smoke Shops (some restrictions)
- Pet Supply Stores
- Bookstores
- Florists
Contractors & Trades
- Handyman Services
- Electricians
- Plumbers
- HVAC Contractors
- Lawn Care / Landscaping
- Painters
- Tile / Flooring Installation
- General Contractors (may require additional vetting)
- Drywall Contractors
- Fence Installation
Professional Services
- Consultants (Business, Marketing, IT)
- Real Estate Agents & Brokers
- Insurance Agents
- Accountants & Bookkeepers
- Notaries
- Graphic Designers
- Web Developers
- Photographers
Personal & Health Services
- Fitness Instructors
- Yoga Studios
- Massage Therapists
- Beauty Salons
- Barbershops
- Nail Salons
- Day Spas
- Personal Trainers
- Tattoo Parlors (limited)
Administrative & Office Support Staffing
- Receptionist Staffing
- Data Entry Staffing
- Administrative Assistants
- Executive Assistant Staffing
Healthcare Staffing
- Medical Assistant Staffing
- Travel Nurse Placement
- Home Health Aide Staffing
- Therapist & Rehab Staffing
IT & Technical Staffing
- Software Developer Staffing
- Help Desk & Tech Support Staffing
- Network Administrator Placement
- Cybersecurity Staffing
Light Industrial & Skilled Trade Staffing
- Warehouse Labor Staffing
- Forklift Operator Placement
- General Labor Staffing
- Skilled Trade Temp Services
Child & Adult Care
- Daycares (licensed facilities often require higher limits)
- After School Programs
- Tutoring Services
- Senior Non-Medical Home Care
Offices & Administrative
- Law Firms
- Medical Billing Services
- IT Services
- Engineers & Architects (some may need Professional Liability too)
Food & Beverage
- Coffee Shops
- Delis & Sandwich Shops
- Food Trucks
- Caterers
- Small Restaurants (w/ limited seating or no alcohol)
- Juice Bars
Residential & Home-Based Businesses
- Home Bakers
- Etsy Sellers
- Home-Based Consultants
- Cleaning Services
- Dog Walkers / Pet Sitters
Light Warehousing / Distribution
- E-commerce Retailers
- Wholesalers (non-hazardous goods)
- Storage Units (self-storage operators)
Nonprofit & Community Organizations
- Religious Institutions
- Clubs & Associations
- Charitable Organizations
- Trade Associations
- Social Services
Artisan Craftspeople
- Pottery makers
- Handmade jewelry creators
- Candle makers
- Woodworking artists
Courier & Delivery Services (Non-Freight)
- Local delivery drivers
- Small parcel couriers
- Meal delivery services (non-app based)