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General Liability defends third-party bodily injury and property damage claims arising from your operations, premises, and products. It's the line most carriers expect to see in force before they'll quote anything else.
GL responds to claims by people outside your company. Customers, vendors, visitors. For bodily injury or property damage you caused. It typically includes defense, premises liability, products-and-completed-operations, and personal & advertising injury (libel, slander, copyright, false arrest). It does not cover injuries to your own employees (that's Workers' Comp), professional services failures (that's E&O), or damage to your own property (that's commercial property).
Customer contracts often require evidence of $1M occurrence / $2M aggregate as a minimum. Many landlords, GCs, and major buyers will not engage without a current Certificate of Insurance naming them as Additional Insured. Without it, you can't bid, lease, or onboard.
Four specifics a well-served buyer should already be hearing about this coverage in this market. Read silently. Answer internally.
Does your additional-insured endorsement extend to completed operations, or only to ongoing operations?
If a single mid-year claim erodes the aggregate, what's your plan for the remaining policy term?
Are defense costs inside or outside your limit, and is your CFO clear on the difference?
Does your contractual-liability carve-back cover the indemnity language in your standard MSA?
Every flag names the issue, the specific finding, and where it applies, the consequence. Once you upload your declarations, ARIA's full output also cites the exact policy page that proves each one.
Annual premium distribution for a comparable business in your industry and revenue band, drawn from anonymized placements. Your specific position is computed when ARIA reads your declarations page.
Illustrative ranges for this line · replaced by cited findings when ARIA reads your policies
In market at 120 days, terms at 60, bound at 30. Select the month and those dates are yours, not a generic example. No email, no form.
Ninety days before it, you get one market read for your industry, from me. Nothing else happens without you.
The first gap usually surfaces in the first minute of ARIA reading your declarations page.
In writing, within 48 hours, free. If the read shows your current program is right, I will tell you to stay put, in writing. You lose nothing either way.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page
