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 finding includes a kind, a real finding, and where applicable, the consequence. ARIA's actual output also includes the policy page that proves the finding. Once you upload your declarations.
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 dataset · n=128 mid-market placements · refreshed quarterly
The first gap usually surfaces within twelve seconds of ARIA reading your declarations page.
Five fields. ARIA returns a first read on your coverage before you've shared a contact detail.
A licensed Risk Strategist on the call. The same first read, walked through by the human who will sign every bind.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page