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, ConstructionEquipment, Farm Equipment, Auto Parts, SafetyProducts, Testing Equipment, Medical productsand devices (non-implantable), Marine products- Wholesalers- Importers

Premises Driven accounts including but not limited to:

  • Office buildings, Shopping Centers,restaurants and vacant buildings
  • Small to midsize lessors risk

Construction:

  • Targeted contractors include both GC’s andartisan contractors with both residential andcommercial construction operations. We are not amarket for NY construction or practice policies inColorado and South Carolina

Miscellaneous:

  • Boiler Service and Installation-Millwrights
  • Equipment rental

HIGHLIGHTS

  • Minimum Premium $25,000
  • 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
  • Minimum SIR $25,000
  • Product available through contracted wholesale brokers

Capacity

  • Primary Limits up to: 

    $2m

    per occurrence

    $4m

    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.

Mark Richards - Senior Vice President