GL is the lawsuit. Property is the roof.
$1 million / $2 million GL is the adult starting limit for Miami landlords and GCs. The premium follows what you actually do — clerical vs contractor vs restaurant. Under-classing to win a quote fails at audit.
When a BOP is cheaper — and when it is ineligible
Offices, many retailers, light service. Roofing, some auto, heavy habitational often need a la carte. Eligibility is the product.
Certificates drive the limit
If a GC in Miami wants $1M GL plus umbrella and additional insured, that is the quote. Bidding last year’s $500,000 policy into this year’s exhibit is a lost job.
How we price it
Class, receipts, square footage, employees, lease exhibit. Start a business quote. An advisor will not pretend a BOP is a warehouse.
Questions we get
Next
If this sounds like your house, get a number.
Same desk that wrote the guide. Auto and home quote online. Other lines, an advisor.
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