General Liability Insurance

General liability (GL) insurance covers third-party bodily injury and property damage arising from your client's operations, premises, and completed work. It is the base policy most commercial clients need in place.

What general liability actually covers

• →Third-party bodily injury, such as a customer slip-and-fall on the premises
• →Property damage to a client's or third party's property caused by operations
• →Products and completed operations liability for work already finished
• →Personal and advertising injury, including libel, slander, and copyright claims in advertising
• •Provides defense costs and covers additional insureds required by contract

Who you should place it for

• ✓Contractors and artisan trades
• ✓Retail stores, offices, and service businesses
• ✓Vendors, event participants, and premises tenants
• ✓Specialty and hard-to-place classes other markets decline

How to place it through Baker

• →Send us the class of business, operations description, receipts or payroll, and any loss runs
• →We quote GL across hundreds of classes, including admitted and surplus lines markets
• →Ask us about pairing GL with property, tools, or excess for a full account

** Terms used here are a summary only. Always refer to the policy form for actual terms, conditions, and exclusions.