A visitor is injured
An incident on your premises can lead to a claim.
A customer slips on your premises, or your work damages someone's property, and a claim follows. Pelorus helps you arrange general liability coverage with limits that fit your work and your contracts.
Your operations, considered together.An example claim path
From incident to response.
A claim can involve much more than the original incident.
Your business must respond
Legal defense may be part of a covered claim.
The claim is resolved
Coverage helps fund the defense and resolution of a covered claim.
Workers’ compensation, commercial auto and professional liability address employee injuries, vehicle claims and professional services.
Under the policy
What the coverage can include.
- 01Bodily injury to customers, visitors and other third parties
- 02Damage to property that belongs to others
- 03Injury or damage caused by completed work or products sold
- 04Personal and advertising injury, such as libel or slander
- 05Medical payments for injuries on your premises, regardless of fault
- 06Legal defense costs for covered claims
Who it’s for
How it connects to the work you do.
Contractors and trades
Project owners and general contractors commonly require proof of liability coverage, at set limits, before work begins.
Restaurants and bars
Slip-and-fall and foodborne-illness claims are a routine part of serving the public.
Shopping center owners
Injuries in parking lots, walkways and common areas can lead to claims against the owner, not only tenants.
Golf and country clubs
Members, guests and outing players can be injured on the course, in the clubhouse or at events.
Explore the industry perspectiveEvent venues and organizers
Venues often require organizers to show liability coverage for the event dates before signing a contract.
Before we talk
The questions behind the policy.
What is an additional insured?
A person or business, such as a project owner or landlord, added to your policy so it can respond to certain claims against them arising from your work. We review the contract and select the endorsement that fits the relationship.
How much general liability do I need?
It depends on your work, your exposure and what your contracts and leases require. When you need more than a general liability policy provides, a commercial umbrella can add limits above it.
Your next step
Make it fit the business you run.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.