General liability
The policy your customers ask you to prove you have.
Subcontractor exclusions
On contractor placements, an exclusion for work performed by subcontractors removes most of the coverage you are buying. We read for it every time.
Additional insured wording is not boilerplate
Blanket additional-insured wording that responds to your contracts is worth more than a lower premium.
The exclusions we read for in this line
| Exclusion | Severity | What it means |
|---|---|---|
| Assault and battery excluded | material | Common on hospitality and habitational E&S property/casualty. |
| Communicable disease excluded | informational | Near-universal post-2020. |
| Employment practices liability excluded | material | Wrongful termination and harassment claims need EPLI. |
| Hired and non-owned auto not included | material | Employee errands in personal vehicles are uncovered on the business policy. |
| Professional services excluded from GL | critical | Advice, design, and specification exposure needs an E&O policy; the CGL will not respond. |
| Subcontracted work excluded | critical | Work performed by subs is outside the grant of coverage. |
| Non-admitted: no state guaranty fund | material | If the carrier becomes insolvent, the state guaranty association does not pay the claim. |
The market archetypes we shop in this line
IronKey does not publish carrier names it is not appointed with. These are the program archetypes the exchange shops. When an appointment is executed, the carrier's name and rating appear here.
| Program | Type | A.M. Best | Bind | Note |
|---|---|---|---|---|
| Monoline GL Program A CGL occurrence |
admitted | A (Excellent) | same day | |
| Contractors GL Program B (E&S) Artisan contractors E&S |
non admitted | A- (Excellent) | refer | Subcontractor exclusion is the trap in this class. IronKey prices it. |
Insurance offered through licensed agents. IronKey Care is an independent insurance agency, not an insurer. Availability and eligibility vary by state.