General Liability

Commercial General Liability (CGL) insurance insurance is a must-have, essential to safeguarding the financial health of any well-run business. But, retailer or manufacturer, healthcare provider, architecture or engineering firm; your exposure to different types of liability and loss is unique, as is your ability to bear the possible consequences.

Generic, point-and-click package plans come up short and you don’t have time for a slog through mountains of paperwork and endless options in pursuit of something that will cover your specific risks at your price.

From basic retail premises exposures to complex product liability placements, Risk Strategies gives you the best of both worlds – national-level reach and resources to get the best deal with focused expertise that makes crafting custom tailored plans off-the-rack simple.

With our experience across a number of key industries, we can design the right General Liability plan to cover key issues, including:

Premises, Products and Pollution Liability

From slip and fall injuries and neighboring property damage, to product defects and pollution clean-ups, we can assemble a general liability coverage plan that ensures your bases are covered - even things like copyright infringement, libel, slander or false advertising claims.

Want something special protected? General liability can be enhanced to meet particular needs. Typical additional coverages include:

  • Expanded Property Damage 
  • Hired and Non-owned Auto Liability insurance 
  • Aggregate limits per location or project
  • Employee Benefits Liability 
  • Damage to premises rented to you
  • Specialty enhancements for General Liability and Contractors

Commercial Automobile and Garage Liability Insurance

Covering owned automobiles, including trucks and private passenger vehicles, you can also protect customer-owned automobiles entrusted to policyholders and losses to customer vehicles or equipment occurring during service, repair or storage.

Liquor Liability Insurance

Selling, serving, manufacturing or distributing alcoholic beverages? Make sure you’re covered against ordinance violations claims such as contributing to intoxication and sale to minors. ‚Ä®

Excess/Umbrella Liability

How much is enough? Excess and Umbrella coverage takes over where your regular insurance ends - ensuring a catastrophe doesn’t mean financial devastation.