General liability insurance provides essential coverage for businesses by protecting them against financial losses resulting from claims of bodily injury, property damage, or personal and advertising injury caused by their operations, products, or services. It helps cover legal fees, medical expenses, and settlements or judgments if a business is found liable. This is a foundational safeguard for businesses of all sizes, ensuring they can operate with confidence while mitigating risks associated with everyday operations.
Including employee benefits liability, stop gap, hired & non-owned auto liability, etc.
A strategic addition to your insurance portfolio that provides an extra layer of financial protection for your assets and peace of mind for your business.
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Up to $5M maximum excess limits available (lead layer only).
Excess capacity only offered on a supported basis (Ledgebrook must write the underlying primary casualty policy with limits no greater than $1M/$2M/$2M)
Commercial Excess Liability ISO form
Ability to schedule additional underlying coverages (auto liability and employers’ liability), subject to underlying carrier, minimum underlying limits and overall exposure acceptability
Ledgebrook’s General Casualty Team brings to market a diverse casualty appetite to provide solutions across multiple industry segments. Our 'sweet spot' are risks in the $50,000-$200,000 premium range with minimum premiums starting at $15,000 for Construction and Manufacturing, and $25,000 for other classes. Our standard appetite will support risks $450,000 in premium and above.
(practice policies only)
(not including Habitational risks)
Out-of-Appetite classes, operations or products include and are not limited to:
NY Construction; Construction Projects or Wrap-Ups; Adult Entertainment; Amusement Centers; Cannabis Operations & Products; Tobacco & Vape Products; Firearms & Ammunition Products; Invasive Medical & Pharmaceutical Products; Senior Living, Student Housing or HUD designated properties.
Protection for professionals and businesses against financial losses arising from errors in their professional services in the event of mistakes, omissions, or inadequate services.
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Protection once a specified threshold of losses is exceeded, offering additional coverage beyond what would typically be covered by primary policies.
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