Premises & operations
Protection for bodily injury, property damage, and personal and advertising injury arising from business operations.
← All coveragesGeneral liability & excess
Liability coverage that understands the contract.
Structure protection around premises, operations, products, completed work, and the agreements that determine who must be protected.
What we review
Coverage is only useful when the details match the risk.
Contract requirements
Additional insured, primary and noncontributory, waiver of subrogation, and notice requirements coordinated with the contract.
Products & completed work
Product liability and completed-operations exposure evaluated for sellers, contractors, and service businesses.
Umbrella & excess
Higher limits layered over the right underlying policies, with attachment points and follow-form differences clearly reviewed.
Common pressure points
The details that tend to change the outcome.
- Classification or description-of-operations language that is narrower than the actual work
- Action-over, labor-law, residential-work, assault, abuse, or professional-service exclusions
- Additional-insured status that applies only when a written contract and endorsement requirements are satisfied
- Umbrella policies that do not follow every underlying exposure or contain a separate retention
Bring us the risk. We’ll help make it clear.
Share the basics, timing, and any lender or contract requirements. Cedar will follow up with the next useful questions.
Request a coverage review