Primary Casualty (General Liability) Insurance

Bodily Injury & Property Damage Liability

Core coverage for third-party claims arising from your premises, operations, and the actions of your employees — structured around how your business actually creates exposure, not how a standard form assumes it does.

Products & Completed Operations Coverage

Liability protection for bodily injury or property damage that occurs after your product leaves your hands or your work is finished — a critical coverage line for manufacturers, contractors, and distributors where claims routinely emerge years post-completion.

Contractual Liability Insurance

Coverage for liability assumed under an insured contract — protecting your business when agreements with clients, landlords, or upstream contractors require you to indemnify another party for losses arising from your operations.

Personal & Advertising Injury Coverage

Protection against claims of libel, slander, copyright infringement, wrongful eviction, and similar offenses arising from your business communications, marketing materials, and advertising activities.

Premises & Operations Liability

Liability arising from the physical condition of your premises and the conduct of ongoing operations — including incidents involving visitors, vendors, and third parties at your location or job sites.

Occurrence Form General Liability

Coverage written on an occurrence basis, meaning claims are covered by the policy in force at the time of the incident — regardless of when the claim is actually filed. Critical for businesses with long-tail exposure or multi-year project work.

Claims-Made GL Policy Structuring

For businesses where a claims-made form is the market standard, we review retroactive dates, extended reporting periods, and tail coverage options to ensure no gap exists between policy periods — a nuance transactional brokers routinely overlook.

Additional Insured Endorsement Architecture

Structuring additional insured status for upstream clients, landlords, lenders, and project owners — reviewed at the endorsement level, not just the certificate level, to confirm the coverage granted matches the contractual obligation assumed.

Medical Payments Coverage

First-party medical expense coverage for injuries sustained by third parties on your premises, paid regardless of fault — often a cost-effective tool for resolving minor incidents before they escalate to liability claims.

Umbrella & Excess Liability Interaction

We review how your primary casualty layer interacts with your umbrella and excess liability program — identifying attachment points, underlying schedule alignment, and drop-down triggers so your total liability tower performs as a unified structure.