General Liability

Our clients deserve a company that understands how to underwrite their unique risks and exposures. At Brit, we provide Commercial General Liability solutions to the excess and surplus lines market that help unique and sophisticated businesses protect their operation.

We offer primary general liability products for a wide range of GL classes including product manufacturers, wholesale distributors, artisan contractors, and premises-driven risks. These classes are available in most states. We will generally avoid New York contractors, drug, chemical and firearm manufacturing, nursing homes, medical implants, refineries, drones and smoking-related products.

Risk Appetite

Product-driven accounts including but not limited to:

  • Manufacturers: Industrial Machinery, Construction Equipment, Farm Equipment, Auto Parts, Safety Products, Testing Equipment, Medical products and devices (non-implantable), Marine products
  • Wholesalers
  • Importers

Premises-driven accounts including but not limited to:

  • Office buildings, shopping centers, restaurants and vacant buildings

Artisan contractors including but not limited to:

  • Carpenters, concrete construction, commercial roofing and electrical contractors

Miscellaneous:

  • New operations
  • Millwrights
  • Equipment rental

These classes are available in most states. 

HIGHLIGHTS

  • Target premium size $15,000 to $75,000
  • Minimum premium $5,000
  • ISO policy forms
  • ISO and proprietary endorsements
  • Both occurrence and claims made products available
  • Full CGL or stand-alone products liability policies
  • OCP and RRP available when we write the contractor
  • Liquor Liability available in most states
  • Standard deductibles from $2,500 to $25,000. Some accounts may be written with no deductible
  • Product available through contracted wholesale brokers

Capacity

  • Primary Limits up to: 

    $2m

    per occurrence

    $4m

    per aggregate

  • Excess GL Limits up to:

    $5m

    per occurrence

    $5m

    per aggregate

Liability insurance is essential for any company in the U.S. today. Business owners need protection for their products and operations in order to continue to create, innovate, and move the country forward. Our General Liability insurance provides the protection they need.

Stephen Courchaine, Senior Vice President, General Liability