Casualty

General Liability

Check your class

Is your risk in appetite?

Describe the business or operation in your own words. We'll check it against our General Liability class list and tell you whether it's a class we currently offer.

This tool is a guide based on our current class list and isn't a binding quote or confirmation of coverage. To confirm, submit a risk and an underwriter will review it.

What we write

Program underwriting appetite.

In appetite Out of appetite
Eligible classes
  • Small commercial GL on ISO classifications per our eligible class-code listing
  • Contractors, manufacturing, and processing or service operations
  • Retail, wholesale and distributors, and convenience stores, grocery, and supermarkets
  • Office and retail lessor's risk, professional offices, vacant property, and warehouses
  • Restaurants without alcohol, live entertainment, or late-night operations
  • Apartments and other habitational or lodging occupancies; hotels, motels, apartment hotels
  • Hospitality — nightclubs, lounges, bars, taverns, and adult entertainment
  • Fine dining; restaurants with alcohol, live entertainment, 24-hour, or after-midnight service
  • Daycare, human services, healthcare, nursing, or assisted living
  • General contractors, roofing, scaffolding, highway or road work, excavation, and land grading
  • Storage or warehousing for others; food manufacturing; gas or fuel sales or delivery
Coverage & referrals
  • Incidental hired & non-owned auto for nominal exposures such as occasional errands
  • Accounts within program premium and coverage authority
  • Hired & non-owned auto for risks with delivery exposure, owned autos, or commercial auto policies
  • Limits, premiums, or coverage exceeding program authority (referred prior to quoting)
  • Any single account premium greater than $50,000, or annual revenue over $10,000,000 (referred)
Eligibility & occupancy
  • Common property reflecting pride of ownership and maintained in safe working condition
  • At least 70% building occupancy (lower potentially eligible with vacancy provisions)
  • New ventures under three years where the owner or operator has relevant experience (documented)
  • Subcontractors and service providers carrying limits equal to or greater than the insured's
  • Owned buildings with any habitational or lodging operations
  • Unfenced swimming pools, or pools with diving boards or slides
  • Buildings over 12 stories, on or over water, or with aluminum wiring
  • Occupancies with high fire load or significant special hazards; buildings failing life-safety guidelines
  • Recreational facilities; shooting ranges, hunting or archery; skiing or jet-ski operations
Special exposures
  • Trailing five-year loss history supporting a 50% or better loss ratio
  • Private parking only as a secondary class
  • Three or more paid losses in the trailing five years (declined or referred)
  • Oil rigging or extraction; nuclear plant or refinery work
  • Employed armed guards or security staff
  • Marinas and docking for boats; any federal, state, or government office
  • Risk non-renewed by a prior carrier for non-compliance with loss-control recommendations
Key coverages

Our General Liability Product

Written on ISO Commercial General Liability language, with program-specific form and endorsement options available for attachment. Follows applicable ISO rates and rules. Full form and endorsement schedule available on request to appointed brokers.

Core coverages
Each occurrence Per occurrence $1,000,000
Combined bodily injury and property damage liability, Coverage A.
General aggregate Aggregate $2,000,000
Maximum payable for covered claims within the policy period, other than products and completed operations.
Products & completed operations Aggregate $2,000,000
Separate aggregate for product liability and completed operations exposures.
Personal & advertising injury Per occurrence $1,000,000
Coverage B for offenses such as libel, slander, and advertising injury.
Premises rented to you Per occurrence $100,000
Damage to premises rented to the insured.
Medical payments Per person $5,000
Coverage C, no-fault medical payments.
Optional add-ons
Hired & non-owned auto Per occurrence $1,000,000
For incidental, nominal exposures only — not available for risks with delivery exposure, owned autos, or commercial auto policies.
Policy aggregate cap $5M

Per-policy cap as applicable.

Base form ISO CGL

Occurrence base with program endorsement options available.

Deductibles $1K–$5K

Combined BI/PD by class — $5K contractors, $1K–$2K most others.

Minimum premium $800

All states except California ($1,000 in CA).

Submission requirements

Streamlined quoting.

With our AI-powered submission ingestion, we're submission format agnostic — send us what you have and we will reach out if we need anything further.

Commonly submitted

  • ACORD forms (125, 126)
  • Class code(s) or detailed description of operations
  • Annual revenue and payroll by class
  • Employee count (W-2) and subcontractor breakdown

Recommended additions

  • Written safety program or employee handbook
  • Description of products manufactured or sold, if applicable
  • Sample customer or client contracts
  • Website URL and marketing materials
  • Claims detail narrative for any open or serious claims

Prefer our format?

Download the Altruis Group application — Excel or fillable PDF. List all locations and exposures right on the application's Operations tab.

Ready to submit a GL risk?

Class list and appetite guide available on request. Appointed brokers quote in 24 hours.