General Liability Insurance
We offer an innovative and flexible approach tailored to individual clients’ needs, effectively covering complex general liability exposures. Our practical solutions protect your company against third-party claims for bodily injury and property damage arising from your premises, products, completed operations, advertising, and personal injury liabilities.
At Canopius we believe that our General Liability insurance offering is a partnership; we work closely with you from our first meeting, to claims, and through to renewals.

We provide a range of General Liability insurance solutions, including but not limited to:
- Bodily injury and property damage: protection against claims arising from injuries or damages caused by your business operations.
- Products and completed operations: coverage for liabilities related to the products you manufacture or sell.
- Reputational damage: working alongside you with a reputation management strategy to reduce negative impacts.
Covering core components of General Liability insurance under the broad casualty umbrella.
- Construction: coverage for commercial construction projects.
- Fortune 1,000 / multinational companies: comprehensive coverage for large corporations with complex risk profiles.
- Manufacturing: policies for light and heavy product manufacturers, including mining, chemicals, automotive, and defence contractors.
- Rail industry: protection for freight and passenger operations.
At Canopius, we pride ourselves on providing exceptional service and expert guidance.
- Leading specialised underwriters: in a recent broker 2023/2024 survey, our team scored highest amongst our peers for both proactivity and commitment. Unlike other carriers, we have stayed in the market during high volatility, providing long-term security and stability for brokers and clients.
- Staying ahead of the market: our underwriters and claims team actively participate in executive market committees to glean intelligence and insights which help us stay ahead of the market curve. This allows us to anticipate changes and refresh and expand our product offering in line with clients’ evolving needs.
- Fast quotes, always available: we understand the value of face-to-face conversations to better understand your insurance problems. A Canopius team member is always available for in-person discussions with our broker partners. Once the necessary information is received, we can turn around terms and offer solutions within 24 hours.
- Technical capabilities: we have a vast array of experience, coupled with coveted emerging talent. Individually and collectively the team is well known and well respected by both the brokers and clients.
Coverage
Recognising that every business is different, Canopius provides diverse coverage options to meet varied requirements. We offer occurrence, claims-made and occurrence reported policies to ensure comprehensive protection tailored to when claims are made, and incidents occur. Furthermore, due to our smart actions we specialise in creating customised policies to tackle industry-specific risks, providing you with personalised and thorough coverage.

A minimum attachment point of $10m (USD) or local currency equivalent.
Speak to one of our specialist underwriters









FAQs
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General Liability insurance provides coverage for businesses against third-party claims involving bodily injury, property damage, and more. It helps protect your business from financial losses due to accidents, injuries, or damages that occur on your premises or as a result of your business operations.
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- Cyber Liability insurance: protects against damages from cyber incidents, including data breaches, cyber-theft, and other cyber liabilities. Find out more here.
- Directors and Officers insurance: coverage to directors or officers for claims made against them during their time serving on a board of directors and/or as an officer. Find out more here.
- Employers’ Liability insurance: mandatory insurance that protects against claims from employees injured or ill due to their work.
- Professional Indemnity insurance: covers the legal costs and any expenses in defending claims of professional negligence or breach of duty. Find out more here.
- Public Liability insurance: covers claims from third parties for bodily injury or property damage caused by your business activities.
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General Liability insurance is essential for any business that interacts with clients, customers, or the public. It is particularly important for industries such as manufacturing, construction, retail, and professional services. Whether you run a small business or a large corporation, having this coverage can safeguard your business against potential liabilities and risks.
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Our General Liability insurance covers a range of risks, including bodily injury and property damage, liabilities related to products and completed operations, and claims of advertising and personal injury, such as libel, slander, and copyright infringement.
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A nuclear verdict refers to an unusually large jury award, typically far exceeding the actual damages. These verdicts often arise in liability cases where the awarded sum is intended to punish the defendant or deter others from similar actions. They are significant in general liability contexts as they can greatly impact a company’s financial stability.
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Social inflation refers to the increasing costs of insurance claims resulting from societal trends and views towards increased litigation, broader definitions of liability, and larger jury awards. This trend affects General Liability insurance as it leads to higher payouts, influencing premiums and coverage terms.