Commercial Casualty

General Liability

Commercial general liability and product liability coverage for multiple business classes

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Insurance Type

Non-admitted

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Distribution

Wholesale

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Availability

Available in 50 U.S. states.

Not an agent or broker?

If you're a risk manager interested in commercial general liability insurance, ask your insurance agent or broker for a quote from RLI.

Coverage

Coverage & features

Excess and surplus lines coverages on a non-admitted basis
Commercial general liability coverage up to $1 million per occurrence and $2 million aggregate
Product liability coverage, including bodily injury and property damage up to $1 million per occurrence, $2 million aggregate, with excess limits available up to $10 million

Eligibility & Appetite

Partner with us

Policies issued within 15 days
Excess and surplus lines coverages on a non-admitted basis
Flexible, knowledgeable, individual risk underwriters that can tailor the policy to the needs of each insured
A wide variety of classes available including larger difficult accounts
Customized self-insured retention and large deductible programs available as well as standard policy deductibles

Niche underwriting

Uncommon authority

RLI's highly-skilled underwriters make quick decisions. Leveraging their deep industry knowledge and niche expertise, our underwriters develop innovative solutions to meet your customer's unique needs.

RLI is a stable market for business liability risks, backed by our A+ rated financial strength. We provide coverage for a wide range of general liability and product liability exposures. Our flexible minimum premiums cater to smaller clients, and our coverage is available nationwide.

Target business classes

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Contractors

General contractors: new and renovations
Select artisan contractors
Most commercial trade contractors
Demolition: structures under four stories and interior – no wrecking ball or blasting
Flat concrete work: including water treatment plant construction
Owners interest
Landscape and site work
Fire/restoration
Machinery installation/repair
OCPs and owners interest in construction projects

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Products & Manufacturing

Instruments: diagnostic, electronics and components, medical, laboratory
Toys/games manufacturer or distributor: plush, dolls, accessories and games
Clothing/textiles/footwear: all except children’s clothes and sleepwear
Auto parts: aftermarket, non-critical
Machine shops: heat processing, foundries, electroplating and fabrication: non-structural
Consumer goods: paper products, soaps/detergents, home décor
Medical products: surgical, non-invasive and diagnostic
Cosmetic and personal care goods: no hair relaxers or products containing lye
Metal goods: non-pressurized tanks, non-powered tools, light trailers, fasteners
Computers: computer equipment, accessories, component parts

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Habitation & Premises

Retail/mercantile trade: owned and LRO, including shopping centers
Buildings: owned and LRO, offices, warehouses, industrial, vacant
Condominiums

Contact an underwriter

Find your casualty underwriter

Our nationwide team of underwriters utilize their expertise and innovative approached to underwrite risks specific to their regions and market segments.