The Most Common E&S Commercial General Liability Classes

Protecting businesses is a top priority. Admitted, or standard insurance companies, may be hesitant to cover businesses that have hazardous working environments, use dangerous equipment, or have a history of claims. Obtaining Commercial General Liability coverage from the Excess and Surplus (E&S) marketplace may be the only option available. When it comes to unique and higher-than-normal risks, E&S coverage can provide the right amount of protection in the event of an unexpected loss. 

Let’s explore some of the most common E&S Commercial General Liability classes:

Lessor’s Risk Only

Lessor’s Risk Only (LRO) is small business insurance for commercial landlords. It provides the premises owner with liability protection when leasing space to commercial tenants. LRO policies cover losses resulting from the tenant’s use of the property. LRO covers a variety of Bodily Injury and/or Property Damage losses that occur at the leased location. These losses include: 

  • Vandalism
  • Slip and fall injuries
  • Fire
  • Weather damage
  • Theft
  • Auto accidents on the property
  • Water-related damage

Vacant Properties

Vacant properties are at increased risk for water, wind, or fire damage, vandalism, theft, and other losses. As a result, additional coverage may be necessary outside of a standard insurance policy––that’s where vacant general liability insurance comes in. This insurance coverage protects a business against losses incurred over the extended period of a building’s vacancy. Several factors are considered for this particular coverage, including the length of vacancy, reason for vacancy, risk exposures, and more.


General Liability coverage protects contractors from bodily injury claims and property damage resulting from conducting business. For example, insurance coverage can help with legal, medical, and settlement costs if a third party is injured during construction. Additionally, if property damage occurs while construction is underway, insurance can cover the cost to repair or replace losses and any legal fees.

Apartment Buildings

Habitational risks present increased probability of losses due to the foot traffic in and out of an apartment building. More units means more people, increasing the likelihood of slip & falls. Commercial General Liability insurance protects apartment building owners and manages their risk against property damage, bodily injuries that occur on the premises, and more.

Special Events

Special events can lead to bodily injury, property damage, and more. Travis Scott’s Astroworld event is a prime example of what unfortunate incidents can occur when hosting a large event. This insurance protects individuals and businesses from liability if an incident occurs and also extends to the venue and event sponsors if they’re included in the policy. Some examples of potential scenarios include:

  • A guest is injured at the event (slips, falls, or crush/head/ankle injuries)
  • Damaged property
  • The event is canceled due to unforeseen circumstances

Since events open the door to several possibilities and potential victims, it’s wise to purchase coverage for an added layer of protection.

Your clients deserve insurance coverage that gives them peace of mind. Our team of experts and their in-depth insurance experience can identify the best Excess and Surplus coverage to meet your client’s specific needs. Contact us to learn more.

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