Is general liability the same as product liability?
They overlap in some insurance programs but should not be treated as interchangeable labels. Products-completed operations may be included within a general liability policy or arranged separately. A product business should review the products insured, territories, manufacturing and distribution roles, and any product exclusions. Also consider recall expenses separately.
What should we discuss about additional insureds?
Share agreements asking your business to add a landlord, retailer, or other party as an additional insured. Ask which endorsement is proposed, what operations it applies to, and whether the wording matches the request. Contractual obligations and an insurance endorsement are different documents; review them together.
What does general liability leave for other policies?
Do not assume this policy handles professional errors, employee injuries, cyber events, or every intellectual property allegation. Discuss those exposures within the complete program. Insurance for liability to others also does not replace insurance for your own buildings, equipment, or inventory.
How should we compare proposals?
Ask about occurrence and aggregate limits, defense arrangements, deductibles or retained amounts, classifications, exclusions, and endorsement wording. Share loss history and explain changes in operations. A higher limit alone does not correct an excluded activity. Compare terms alongside the contracts and exposures that prompted the review.
What helps an initial inquiry?
Start with your company website, business activities, locations, revenue range, current policy information, and renewal or contract deadline. Cory can discuss what additional underwriting information is needed and how to provide detailed documents appropriately. Availability and terms depend on the business and markets available.
Related coverage guides
A contract needs proof of insurance?
Start with the work you perform, your locations, and the insurance requirements you have been given. Cory will follow up to discuss the business and the information needed for the next step.
Request an insurance review with Cory or call 845-721-0744.
Preparing for the conversation? Download the business insurance review checklist (PDF). No signup required.
Practical reading before your next decision
Explore all business insurance resources
Submitting an inquiry does not bind, amend, or cancel coverage. Coverage availability and terms depend on underwriting and the policy issued.
Further reading: Coverage background.
