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General liability insurance

General liability products are offered in most states.

Contract binding authority


  • Employee benefit liability
  • General liability
  • Liquor liability
  • Owners / Contractors protective
  • Products / Completed operations liability
  • Program business
  • Unique or unusual classes / coverages
  • Various deductible options


We offer a variety of programs for many classes of business, as well as a number of non-program commercial classes. Some of our most popular programs include:

  • Alarm installation
  • Apartments
  • Artisan contractors
  • Clubs - civic or social
  • Condominium and homeowners associations
  • Contractors and equipment rental
  • Day care
  • Demolition contractors
  • Exterminators
  • Excavation and grading of land
  • Exercise and health studios and fitness centers
  • General contractors - commercial and remodelers
  • Home health care
  • Landowners
  • Landscaping contractors
  • Lessor's risk
  • Mobile home parks
  • Motels
  • Security and patrol agencies
  • Special events
  • Swimming pool installation and maintenance contractors
  • Swim and tennis clubs
  • Tanning salons
  • Tree trimmers
  • Vacant buildings
  • Wind and solar contactors


Our Brokerage team has the expertise to provide creative solutions for larger, more complex risks for the classes above as well as the following:
  • Amusement / sports facilities
  • Camps (for-profit)
  • Carpentry
  • Churches / schools
  • Communications equipment installation
  • Door, window or assembled millwork (installation, service or repair) - metal
  • Drywall or wallboard installation
  • Electrical apparatus (installation, service and repair)
  • Electrical work within buildings
  • Fire suppression contractors
  • Food product manufacturing
  • Glass dealers and glaziers
  • Guides or outfitters
  • Hotels
  • Light to medium products
  • Livery operations
  • Machinery and equipment (industrial installation, service and repair)
  • Metal scrap dealers (dealers or distributors)
  • Plumbing (commercial and industrial/residential and domestic)
  • Plumbing fixtures manufacturing
  • Restaurants (with less than 50% liquor)
  • Retail stores
  • Schools
  • Street or road construction or reconstruction
  • Truckers
  • Waterparks

We also consider business in other classes. The following classes are prohibited in New York:
  • Blasting contractors
  • Concrete
  • Contractors equipment - scaffolds, sidewalk bridges rented to others (installation, repair or removal operations)
  • Crane operators
  • Elevator contractors
  • Excavation
  • Masonry

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