Commercial General Liability Insurance for Non-Admitted Risks

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All businesses are susceptible to liability risks; that’s why they need general liability insurance. However, standard general liability coverage isn’t always right for, or available to, some organizations. We can help.

General Liability Insurance Coverage for Non-Admitted Risks

Commercial general liability insurance is coverage that helps protect your business from financial loss due to covered claims of bodily injury or property damage that can arise in the course of normal business operations. When a claim of damage, loss or personal injury is made against your business, commercial general liability insurance helps cover the costs.

Northfield offers general liability coverages in almost all states, on a single line or package basis, on a non-admitted basis. That means that Northfield can help cover risks that would not be eligible for coverage in the standard market.

What It Covers:

  • Additional insureds
  • Contractual liability
  • Employee benefits
  • Hired and non-owned auto liability
  • Coverage for subcontracted work
  • Personal and advertising injury
  • Products and completed operations liability
  • Medical payments 

How It Works:

General liability insurance helps protect your business against the costs associated with covered claims. The costs of these claims can include legal defense expenses, judgments or settlements. 

Northfield’s general liability options include:

  • Primary limits up to $5 million
  • Per project aggregate
  • Total aggregate and designated location limit
  • Additional insureds
  • Waiver of subrogation 

Who It’s For:

All businesses have liability exposures. Northfield offers broad coverage for over 1,500 general liability classes, ranging from day care centers to demolition contractors. If you or your employees interact with customers, have access to customers’ property, advertise or market your services, work on job sites or enter into contracts, then commercial general liability insurance may be right for you.

Learn more about who we cover

How Much Does Excess and Surplus Lines General Liability Insurance Cost?

The cost of general liability insurance is determined by a number of factors related to your specific business circumstances. Some of the factors that may be considered in determining the cost of your general liability insurance include:

  • Type of business
  • Location of business
  • Total sales
  • Total payroll
  • Policy details, such as coverage limits
  • Claim history 

Contact a General Agent to Learn More About Excess and Surplus Lines General Liability Insurance

Northfield products are distributed through a network of wholesale general agents. To learn more about Northfield insurance products, contact a general agent. 

Frequently Asked Questions about Northfield General Liability Insurance for Non-Admitted Risks

Non-admitted—also known as excess and surplus lines—insurance carriers, are not as strictly regulated in states where they sell policies, as are admitted insurers. A non-admitted, or surplus lines, insurer is authorized, but not licensed, to do insurance business in the insured’s home state. Surplus lines insurance allows insurance buyers to buy most lines of property/casualty insurance from non-admitted insurers when they are unable to purchase the coverage they need from admitted insurers.

For insureds who are unable to purchase insurance through the admitted market, the non-admitted market offers an attractive alternative. Non-admitted insurers can also offer innovative coverage options. These insurers do not need approval from state regulators for the policy forms they use or the rates they charge.

Northfield offers coverage for 1,500 general liability classes, including amusements and recreation, artisan and construction contractors, beauty and spa services, care facilities, hospitality and specialty events, industrial and manufacturing, real estate and property, religious organizations, retail and wholesale, and service contractors.

Northfield’s General Liability insurance coverage offerings can include additional insureds, contractual liability, employee benefits, hired and non-owned auto liability, coverage for subcontracted work, personal and advertising injury, products and completed operations liability and medical payments.

Northfield has a dedicated Claim team. Our experienced Claim professionals specialize in the surplus lines market. They partner with dedicated experts in customer service, catastrophe response, large loss, engineering, specific industries, and legal, medical and investigative services. Together, they work hard to help minimize claim costs to achieve the best possible outcome on every claim.

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Reliable Claims Services

Northfield claim professionals partner with a broad network of industry experts to drive the best possible outcomes.

Learn about our services