Specialty General Liability

Specialty General Liability coverage from The Hartford helps protect businesses that are vulnerable to “higher hazard” liabilities. Our underwriters, risk engineering consultants and liability claims specialists are experienced in handling the risks and special coverage requirements of businesses that face unique risk exposures.

Without the proper precautions and coverage, a business with high hazard exposures could be devastated by a costly lawsuit – even to the point that it does not survive.  We believe this is avoidable and The Hartford can help. We help businesses handle “high hazard” exposures and manage risks on a daily basis. Our extensive experience and broad range of coverage options are specifically designed to help protect against multiple and unique exposures make us uniquely qualified to help businesses like yours.
 
In addition, we regularly work with our business customers to assess and help them reduce the risk of accidents happening in the first place. We know that businesses can suffer as the result of a liability claim. That’s why we offer industry leading assistance to help reduce the impact a claim may have on a company’s operations.
We offer coverage for manufacturers, wholesaler-distributors and importers of difficult-to-place products, including startup companies. Following is a sampling of the types businesses we insure:
 

Products ($20,000 minimum premium)

  • Auto and truck parts
  • Beauty and cosmetics
  • Boilers/HVAC
  • Electrical equipment
  • Fitness equipment
  • Furniture
  • Hand and power tools
  • Industrial equipment
  • Machinery
  • Marine products
  • Medical devices
  • Overhead cranes
  • Pressure vessels/tanks
  • Railroad products
  • Renewable energy
  • Structural metals
  • Valves and flanges
  • Veterinary products
     

Premises – Operations ($100,000 minimum premium)

  • Medical offices (professional)
  • Movie theaters
  • Office buildings
  • Parking lots and garages
  • Restaurant chains
  • Service contractors
  • Grocery stores/supermarkets
  • Janitorial
  • Malls/shopping centers
  • Vacant buildings
  • Warehouses
Specialty General Liability from The Hartford helps protect a business in the event that someone is injured on business premises. Our coverage options also include:
 
  • Premises and operations
  • Product recalls/product E&O
  • Prior acts/nose/tail coverage
  • Discontinued products
  • International exposures
  • Self-insured retention/manuscripted coverages
  • Claims-made options
  • Liquor liability
If your business requires higher protection limits, you can add our umbrella/excess liability coverage. Umbrella/excess liability coverage offers:
 
  • Catastrophic liability coverage
  • Policy limits up to $25 million (over our primary GL/products coverage)
  • General liability and/or products coverage
  • Follow form excess or umbrella
  • Dedicated specialists experienced in handling hard-to-place products and premises risks
  • Loss control support to help you reduce the frequency and severity of accidents at your business
  • Dedicated products claim specialists experienced in handling complex claims
  • Direct and agency billing options
  • Seamlessly integrated claims-handling with bundled and unbundled options
  • Deductibles, self-insured retentions, first-dollar
  • Cost-effective rating options tailored to your needs, including composite rating
  • Occurrence or claims-made forms
  • Automatic additional insureds and waivers
  • Admitted and non-admitted capabilities
  • 25+ years of experience insuring high-hazard businesses
  • 200+ years of experience delivering on our promises to customers
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.