Primary Special Risk

Our Special Risk business segment provides access to general liability coverage for most product liability exposures generated from manufacturers, distributors and importers; as well as OL&T and habitational risks with premises exposure.

Target Classes

Manufacturers & Distributors

      • Moderate to high hazard products
      • Small to large complex accounts

OL&T / Habitational

      • Commercial real estate
      • Apartment owners (subsidized, student & senior housing)
      • Condos and homeowners associations
      • Vacant land

Available Coverage

Primary General Liability

      • Premises and operations liability
      • Personal and advertising liability
      • Products and completed operations liability
      • Hired and non-owned auto liability
      • Discontinued products liability coverage
      • Assault and battery coverage
      • Worldwide territory coverage

Policy Highlights

      • Primary limits $1,000,000 per occurrence / $2,000,000 aggregate
      • Claims made or occurrence coverage
      • Deductibles and self-insured retentions (SIRs) available
      • ISO-based forms with manuscript abilities

Surplus lines products are available in California only through CoverXSpecialty Insurance Services, a licensed surplus lines broker (CA license #0573926)