General & Professional Liability
General liability is the cheapest serious coverage most businesses buy and the one most often left at whatever limit was picked at formation. The exposure grows; the limit usually does not.
Scope
The question is never whether you have general liability. It is whether the limit, the endorsements, and the tower above it match what the business has become.
Detail
Leases and construction contracts routinely require additional-insured status, primary and non-contributory wording, and a waiver of subrogation. Those are specific endorsements. Assuming they are present is how a business ends up defending itself under an indemnity it agreed to.
If you specify, design, advise, or certify, part of your exposure is professional rather than general — and a general liability form excludes it. Property managers, contractors doing design-build, and consultants all get caught by this.
An umbrella attaches at a specific underlying limit. If the primary is reduced or restructured at renewal without matching the umbrella, a gap opens between them and the excess layer never responds.
Free, confidential, and no obligation — with a written summary either way.
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Tell us what you are insuring and where it stands. If there is a non-renewal notice or an escrow deadline, say so — those move to the front of the line.
Prefer to talk? Call or text (305) 990-2753 or email team@haymakersre.com
FAQ
It depends on the operation, the contracts you sign, and the assets behind the business. Contract requirements often set the floor. The more useful framing is total tower — primary plus umbrella — because excess limits are inexpensive relative to what they protect.
It extends your policy to defend and indemnify them for liability arising from your work. The scope depends entirely on which endorsement form is used, and the forms differ meaningfully. We read the contract and match the endorsement rather than attaching a generic one.
Broadly yes — E&O is the common name for professional liability. It covers financial harm from professional services, which general liability excludes. See executive lines.
Related lines
Building, contents, and business income — written to the right valuation basis with a deductible structure you can absorb.
See coverage →Ground-up and renovation coverage sized to hard cost and schedule, with soft costs and delay in completion where the loan requires it.
See coverage →NFIP and private flood for coastal, riverine, and post-fire debris-flow exposure — a peril standard property forms exclude entirely.
See coverage →Standalone earthquake and difference-in-conditions coverage — also excluded from every standard property form.
See coverage →Capacity above the primary tower — usually the cheapest limit you will ever buy relative to what it protects.
See coverage →First- and third-party cyber for businesses that hold client data, move money, or would stop operating without their systems.
See coverage →