Can surplus lines insurance cover general liability risks?

Surplus lines insurance can indeed cover general liability risks, making it a versatile option for businesses that may not find adequate coverage through traditional insurance markets. Surplus lines insurances are designed to fill gaps where standard insurance policies might be unavailable, insufficient, or excessively expensive. This includes a wide range of coverage types, including general liability, which protects businesses against claims of bodily injury, property damage, and personal injury.

Surplus lines insurers often have the flexibility to underwrite risks that more conventional insurers consider too risky or that do not meet their coverage criteria. This can include unique or unusual business operations that require customized liability protection. Therefore, businesses operating in high-risk industries can benefit specifically from surplus lines insurance as it provides the necessary general liability coverage that aligns with their specific needs.