General Liability & Premises Risk

GL claims are about who was hurt, where, and who controlled the risk. This hub covers the exposures that move premiums and coverage.

Most businesses arrive here after a claim or a contract requirement.

Common questions people have

These are the questions people usually ask before they decide.

Assault and Battery Exclusions: The Restaurant Liability Gap 1 min read
Restaurants with late-night hours or alcohol service see claims denied or capped in surprising ways.
Slip-and-Fall Claims: Why Restaurants Pay More Than Expected 1 min read
Restaurant owners see premiums rise after a minor slip claim, even when revenue stays flat.

If you want the mechanics and tradeoffs in full, start here.

Construction Claims: Active vs Completed Operations, in Plain English 5 min read
Active and completed operations are not legal jargon for fun. They decide when a construction claim lands and which part of the policy responds.
Restaurant GL: What Slip-and-Fall Frequency Really Costs 5 min read
One big slip claim hurts, but a steady drip of small claims moves premiums faster. Restaurant GL pricing is a frequency story.

Restaurants are frequency-heavy, and small claims move pricing faster than you expect.

Restaurant GL: What Slip-and-Fall Frequency Really Costs 5 min read
One big slip claim hurts, but a steady drip of small claims moves premiums faster. Restaurant GL pricing is a frequency story.
Assault and Battery Exclusions: The Restaurant Liability Gap 1 min read
Restaurants with late-night hours or alcohol service see claims denied or capped in surprising ways.
Slip-and-Fall Claims: Why Restaurants Pay More Than Expected 1 min read
Restaurant owners see premiums rise after a minor slip claim, even when revenue stays flat.

If you want a second set of eyes, this is usually where I start.