About This Coverage

A General Liability policy provides coverage to a business for bodily injury, personal injury, and property damage caused by the business' operations, products, or injury that occurs on the business' premises.

State Eligibility


Eligible State

State Not Available

Industries Available


  • Construction

  • Manufacturing

  • Wholesale Trade

  • Retail Trade

  • Information

  • Finance and Insurance

  • Real Estate Rental and Leasing

  • Professional, Scientific, and Technical Services

  • Management of Companies and Enterprises

  • Educational Services

  • Health Care and Social Assistance

  • Arts, Entertainment, and Recreation

  • Accommodation and Food Services

  • Other Services except Public Administration

Coverage Limits


Up To

$2M/$4M

Minimums


  • $10,000, higher minimums apply for NY contractors
  • $1,000 per claim deductible

Key Features


  • Liquor liability
  • Assault & Battery
  • NY “labor law” coverage available

Preferred Classes


  • Commercial Real Estate
  • Hospitality - Casinos, Hotels & Motels, Restaurants
  • Retailers
  • Sales or Service Organizations
  • Security or Patrol Agencies
  • Telecommunications Operations
  • Trade and General Contractors
  • Utilities
  • Wholesale Distributors

Restricted Classes


Eligible Vehicle Types


Trucks

Trailers

Vans & PPVs

Liability Coverages


Underwriting Guidelines


Additional Coverage Options


Submission Requirements


  • ACORD Application, fully completed and signed
  • Supplemental Application
  • Gross receipts for the past 5 years
  • 3 - 5 Years of Loss Runs
  • Send submissions to quotes@ospreyuw.com