Specialty general liability
Merit Specialty, a brand of The Hanover, is dedicated to providing wholesale brokers and their clients with the right combination of price and coverage.
Specialty general liability
Merit Specialty provides admitted general liability and umbrella/excess solutions to address higher-hazard product liability for a wide array of risks, ranging from startups to large companies. Our dedicated team of experienced higher-hazard general liability specialists is focused on creating tailored protection plans that address each business's unique risks while delivering a higher level of service—plus the benefit of the peace of mind that comes with an admitted carrier you can rely on.
We target risks with a $200K minimum premium or a $50K minimum self-insured retention (SIR). See Merit Specialty E&S for risks below these levels. The appetite below outlines examples of target product exposures.
Auto and truck parts and accessories
- Axels
- Body parts
- Brake pads and rotors
- Engines
- Steering
- Suspension
- Trailers
- Transmissions
- Wheels
Industrial machinery
- Air control valves
- Compression equipment
- Conveyers
- Drill presses
- Laser cutting machines
- Kilns
- Overhead cranes
- Pressure vessels
- Rock crushers
- Rolling mill machinery
- Storage
Construction, agricultural and fitness equipment
- Commercial-grade gym equipment
- Excavating equipment
- Forklifts
- Free weights
- Harvesting and threshing equipment
- Landscaping equipment
- Lumber processing equipment
- Piledriving equipment
- Stationary cardio equipment
- Tillers and weeding equipment
- Tractors
Metal and sheet fabrication
- Beams and columns
- Boilers
- Elevated platforms
- Professional-grade ladders and scaffolding
- Structural steel
- Tubing and pipes
Not in appetite
- Air bags
- Amusement park rides
- Automobile manufacturing
- Cement mixers
- Child safety equipment
- Concrete pumpers
- Construction
- Critical aircraft products
- Downhole exposure equipment
- Elevator manufacturing
- Firearms and components
- Helmets
- Installation over 10%
- Invasive medical products
- Inversion tables
- Loggers
- Mass tort exposure
- Nutraceuticals
- Pharmaceuticals
- Pollution/environmental
- Quarries or mines
- Residential building products
- Seat belts
- Tires or retreads (passenger vehicle)
- Tobacco products, e-cigarettes, and cannabis
- Toys
- Trampolines
- Underground mining equipment
- Welding and soldering equipment
Our general liability coverage is tailored to meet the unique needs of each business. Key features include:
- Admitted, standard market solution with “A”-rated XIV admitted paper
- Occurrence coverage trigger
- Deductibles, self-insured retentions starting at $50K or first-dollar (guaranteed-cost) program structures
- ISO commercial general liability (CGL) coverage form
- Full suite of ISO and proprietary endorsements available
- Umbrella/excess policy
- Limits up to $5 million
We target risks with a $200K minimum premium or a $50K minimum self-insured retention (SIR). See Merit Specialty E&S for risks below these levels. The appetite below outlines examples of target product exposures.
Auto and truck parts and accessories
- Axels
- Body parts
- Brake pads and rotors
- Engines
- Steering
- Suspension
- Trailers
- Transmissions
- Wheels
Industrial machinery
- Air control valves
- Compression equipment
- Conveyers
- Drill presses
- Laser cutting machines
- Kilns
- Overhead cranes
- Pressure vessels
- Rock crushers
- Rolling mill machinery
- Storage
Construction, agricultural and fitness equipment
- Commercial-grade gym equipment
- Excavating equipment
- Forklifts
- Free weights
- Harvesting and threshing equipment
- Landscaping equipment
- Lumber processing equipment
- Piledriving equipment
- Stationary cardio equipment
- Tillers and weeding equipment
- Tractors
Metal and sheet fabrication
- Beams and columns
- Boilers
- Elevated platforms
- Professional-grade ladders and scaffolding
- Structural steel
- Tubing and pipes
Not in appetite
- Air bags
- Amusement park rides
- Automobile manufacturing
- Cement mixers
- Child safety equipment
- Concrete pumpers
- Construction
- Critical aircraft products
- Downhole exposure equipment
- Elevator manufacturing
- Firearms and components
- Helmets
- Installation over 10%
- Invasive medical products
- Inversion tables
- Loggers
- Mass tort exposure
- Nutraceuticals
- Pharmaceuticals
- Pollution/environmental
- Quarries or mines
- Residential building products
- Seat belts
- Tires or retreads (passenger vehicle)
- Tobacco products, e-cigarettes, and cannabis
- Toys
- Trampolines
- Underground mining equipment
- Welding and soldering equipment
Contact our team to learn more.
Specialty general liability is available to wholesale producers on a limited basis. Contact us today for more information.
Seth Hollis
Vice President, Specialty General Liability
610-427-9632
rhollis@hanover.com