General Liability Insurance

>> There are four main exposures General Liability is comprised of. The first is your Premises exposure or coverage for the physical space you occupy. This could include an office or manufacturing floor.

The second exposure is seen mainly on contractors or any other business where work is primarily done away from the business location. This is defined as your Operations exposure.  

Most of the time, the first two exposures combined together within one limit of insurance.  

The third and fourth exposures are also typically combined together within one limit of insurance. These exposures are referred to as Products and Completed Operations.  

Products exposure is seen with businesses that produce an end-user product. The Completed Operations exposure is commonly utilized by contractors or any business where you leave a job site once the project is complete.