DELEGATED COMMERCIAL GENERAL LIABILITY INSURANCE
Our Delegated Commercial General Liability insurance is designed to safeguard your business against a wide range of common incidents that might occur on your premises. This coverage not only provides protection against potential legal claims but also includes financial support for legal defence costs and settlements.
By offering comprehensive and reliable insurance, our cover ensures your business can continue to operate without disruption, granting you peace of mind and long-term financial security.
We specialise in excess and surplus lines cover, catering to both retail and wholesale businesses with flexible solutions.
Target market
- Building owners, landlords, and tenants
- Commercial property owners
- Condominiums and apartments
- Non-profits and charities
- Offices
- Restaurants
- Retail stores and convenience stores
- Small to medium-sized businesses
- Strip malls
- Vacant property
- Warehouses
What we do
- Commercial General Liability Insurance: a comprehensive policy that offers liability coverage to businesses for bodily injury, property damage, and personal injury.
- Low Hazard Insurance Coverage: insurance policies designed for businesses considered to have low-risk operations, minimising insurance costs while providing necessary protection.
- Slip and Fall Liability Coverage: specific coverage for accidents where individuals slip, trip, or fall on business premises, leading to bodily injury claims.
- Food Poisoning Insurance Claims: insurance that covers liability for claims related to foodborne illnesses caused by food products sold or served by a business.
- Combined General Liability and Property Insurance Policies: integrated insurance policies that provide both general liability and property coverage under one comprehensive plan, suitable for small- to medium-sized businesses.
Our capacity
$10m USD – United Kingdom
$10m USD – United States
What sets us apart
Strong partnerships, tailored solutions
At the heart of our approach is the cultivation of robust partnerships with our agents. By gaining a deep understanding of your needs, we can tailor our products accordingly.
Proven expertise, lasting trust
Our prowess is evident in our enduring client relationships and a proven track record. Many of our key business partners have entrusted us with their needs for more than a decade, with some partnerships surpassing 20 years.
Bespoke wordings, dedicated specialists
Our in-house wording team is highly regarded in the market for its expertise and deep understanding of the nuances specific to our industry.
Swift, expert claims handling
With an in-house claims team ready to act quickly, we prioritise fast assessments and resolutions to keep businesses moving.
Contact us
Speak to one of our specialist underwriters
Renowned Lloyd’s of London provides access to central resources, global reach and reputation as the largest (re)insurance marketplace.
On our own company paper we work closely with our policyholders, ensuring a seamless process from underwriting through to claims.
Access to Lloyd’s of London’s financial strength and chain of security, through regionally empowered underwriters.
FAQs
What is a delegated authority in insurance?
A delegated authority relationship is formed when an insurer permits another party to act on their behalf, either in an underwriting or claims handling capacity.
What are the advantages of delegated authority in insurance?
Product innovation often happens through the use of delegated authorities. The coverholder can benefit from partnership with the insurer by gaining access to the insurer’s brand, security and ratings. Policyholders gain from wider competition and access to local and/or niche distributors and product providers.
Is commercial excess liability better than an umbrella policy?
It depends on your business needs. Commercial excess liability provides additional coverage for a specific policy, such as general liability or auto liability, extending the limits but not broadening coverage.
A commercial umbrella policy, on the other hand, extends coverage across multiple underlying policies and may even fill in coverage gaps.
What is the difference between general liability and commercial umbrella insurance?
General liability insurance provides fundamental coverage for bodily injury, property damage, and legal expenses resulting from third-party claims. Commercial umbrella insurance extends the limits of multiple liability policies, offering extra financial protection when primary coverage is exhausted.
