General Liability
Insurance for bodily injury and property damage claims from your operations, like a visitor hurt at your office or damage during a site visit.
What it means for your firm
General liability usually excludes professional services. That is why A&E firms carry both it and professional liability.
Contracts often ask for additional insured, waiver of subrogation and primary and non-contributory wording on this policy.
Articles that explain it
Do Architects and Engineers Need General Liability, or Is Professional Liability Enough? Should Professional Liability and General Liability Renew on the Same Date? Why Would an E&O Policy Require You to Maintain General Liability Insurance? Damage Found Years After the Job: Which GL Policy Pays, and Why You Keep Old Policies One Defect Claim, Two Policies: Why Design-Build Firms Report to Both GL and Professional Liability Limits Don’t Stack the Way You Think
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
Talk to a specialist
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.