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
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- Moderate to high hazard products
- Small to large complex accounts
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OL&T / Habitational
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- Commercial real estate
- Apartment owners (subsidized, student & senior housing)
- Condos and homeowners associations
- Vacant land
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Available Coverage
Primary General Liability
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- 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
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Policy Highlights
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- 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
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Surplus lines products are available in California only through CoverXSpecialty Insurance Services, a licensed surplus lines broker (CA license #0573926)