General Liability

A standard coverage issued to businesses to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.

General Liability at Pathpoint

Eligible Small Businesses

Up to $1m revenue
Limits up to $1m/$2m
Annual premiums as low as $495 for a $1m/$2m limit
Deductibles as low as $0
Located in the domestic United States

Key Offerings Include

Storefront and Office Exposures

For businesses with up to $2m revenue. Coverage highlights include: Bodily injury to a third party, damage to a third party’s property, advertising injury, and personal injury. Coverage enhancements such as waiver of subrogation, additional insured language, and primary and non-contributory wording also available.

We have strong appetite for over 60 classes of small consumer retail businesses, including:

  • Retail Stores
  • Grocers
  • Book Stores
  • Florists
  • Food Trucks
  • Restaurants
  • Bakeries
  • Bars
Download our General Liability guide

Professional

For businesses with up to $1m revenue, less than $500k payroll, Professional Liability available through Pathpoint as well.

We have strong appetite for many classes, including:

  • Real Estate Agents
  • Lawyers
  • Medical offices
  • Insurance agents
  • Dentists
Download our Professional’s guide

Artisan Contractors

We write up to $2m aggregate limits with the ability to offer $5m per project or location aggregates and commonly needed terms including waiver of subrogation, additional insured language, and primary and non-contributory wording.

We have strong appetite for over 55 classes of small specialty trade contractors, including:

  • Window cleaning
  • Masonry
  • Janitorial services
  • Carpentry, including interior
  • Ceiling and wall installation-metal
  • Painting
  • Landscape, gardening, lawn care
  • Drywall or wallboard
  • Carpet and furniture cleaning (on customer’s premises)
  • Handyperson
Download our Artisan Contractors guide

Lessor's Risk Only

For businesses that lease properties (commercial, residential, or mixed-use), up to 75k square feet area, more than 31% occupied, and a crime score under 70. Coverage enhancements such as waiver of subrogation, additional insured language, and primary and non-contributory wording are available.

We have strong appetite commercial and mixed-use appetite for small businesses’ lessor’s risk, including but not limited to:

  • Restaurants
  • Apartment Buildings
  • Shopping Centers
  • Mixed Use
  • Professional Office
  • Warehouse
  • Indoor Malls
  • Main Street
Download our Lessor’s Risk Only guide

Questions?