Start with the purpose of the coverage
General liability can respond to common allegations involving bodily injury, property damage, products, completed work, and personal or advertising injury, subject to the policy.
Excluded causes and activities
Connect this decision to the insured operation, credible loss scenarios, current information, policy wording, and requested protection.
Property, people, vehicles, and services not scheduled
Connect this decision to the insured operation, credible loss scenarios, current information, policy wording, and requested protection.
Dependencies that cross multiple policies
Connect this decision to the insured operation, credible loss scenarios, current information, policy wording, and requested protection.
What the policy may help address
Premises and operations claims
Confirm covered causes, insured parties, locations, limits, deductibles, conditions, and exclusions in the actual proposal and issued policy.
Products and completed operations
Confirm covered causes, insured parties, locations, limits, deductibles, conditions, and exclusions in the actual proposal and issued policy.
Defense costs for covered claims
Confirm covered causes, insured parties, locations, limits, deductibles, conditions, and exclusions in the actual proposal and issued policy.
Details to examine for this decision
- Accurate classifications and descriptions of operations
- Per-occurrence, aggregate, and products-completed operations limits
- Additional insured, contractual liability, and waiver requirements
Information to prepare
A complete submission helps distinguish the account and reduces avoidable follow-up. Prepare current records rather than relying on estimates from a prior policy period.
- Revenue, payroll, and operating description
- Contracts, leases, and certificate requirements
- Loss history and risk-control procedures
Questions the review should answer
How does the program address accurate classifications and descriptions of operations?
Document the answer in the proposal, applicable forms, endorsements, schedules, or written underwriting confirmation. Do not rely only on a certificate or marketing summary.
How does the program address per-occurrence, aggregate, and products-completed operations limits?
Document the answer in the proposal, applicable forms, endorsements, schedules, or written underwriting confirmation. Do not rely only on a certificate or marketing summary.
How does the program address additional insured, contractual liability, and waiver requirements?
Document the answer in the proposal, applicable forms, endorsements, schedules, or written underwriting confirmation. Do not rely only on a certificate or marketing summary.
Frequently asked questions
What should a business prepare for a General Liability common coverage gaps review?
Useful starting information includes revenue, payroll, and operating description, contracts, leases, and certificate requirements, loss history and risk-control procedures. The specialist may request additional details based on the operation and available insurance markets.
Why should General Liability be reviewed separately from other policies?
General liability can respond to common allegations involving bodily injury, property damage, products, completed work, and personal or advertising injury, subject to the policy. The policy should also be coordinated with related property, liability, vehicle, people, contract, and continuity exposures.
Coverage descriptions are general and do not amend a policy. Eligibility, availability, limits, deductibles, exclusions, definitions, and terms vary by risk and insurance market. Actual policy documents control.