Commercial general liability – a solution that combines simplicity and innovation

In response to your need for general liability cover, we have developed a comprehensive package adapted to suit three categories of business...

© Morsa Images/Getty Images
Published on Mar 15, 2022

In response to your expectations for general liability cover, we have developed a comprehensive package adapted to suit three categories of business – negotiators/manufacturers, intellectual property service providers and mixed service providers. This approach covers all business segments and their needs, irrespective of their size.

Our commercial general liability in three key points

We cover the risks related to three types of activities – negotiators/manufacturers, intellectual property service providers and mixed service providers – with:

  • Greater simplicity: we have sought to bring as much clarity as possible to our solution by highlighting its core elements. Exclusions are grouped by category and the coverage is summarised in a table.
  • Greater flexibility: to make the underwriting process easier, the activities insured includes activities declared as well as “all connected or ancillary activities related to the activities described”. Moreover, your subsidiaries in France no longer need to be declared separately, as they are automatically integrated into the policy through the framework, which now applies to the overall group revenue.
  • Broader international focus: through the INI, the general liability solution also covers facilities located outside France, which enables us to support you in your expansion strategy.

When looking to expand into international markets, medium-sized businesses face new kinds of risks, such as a greater exposure to natural disasters, disruption to their supply chain and cyber attacks.

To respond to these new challenges, we offer policies that adapt to your company as it grows and develops, both in size and geographical footprint. We have put together comprehensive and future-facing solutions to effectively support you over the long term, offering extensive coverage for amounts you can adjust to suit your needs.

The Covéa Group has built up the leading network of experts in France

A range of solutions to tackle emerging risks and protect your business

As we are closely in touch with what is truly going on in your market, we add to our range of innovative coverage to protect your business as it grows.

That is how we are able to respond to any emerging risks you face. We limit your exposure to such risks through guarantees integrated into the policy, such as environmental damage coverage, while other insurance providers do not yet explicitly cover this risk.

A crisis management service has also been developed, which provides you with 5 hours of hot line support from a specialist firm, as well as a template Crisis Anticipation Plan. You will also be able to take out coverage for a set fee to extend the assistance beyond 5 hours.

Our expertise – renowned and acknowledged by companies

Commercial general liability is the cornerstone to robust insurance coverage for you and your company. It is also an area of particular technical complexity that requires a sound understanding of any changes in regulatory or legal requirements.

Our general liability specialists, who often come from a legal background, have a level of expertise well renowned among companies from both the public and private sector.

In addition to our team of experienced underwriters, a general liability prevention expert can also be called upon by the company at any time during the policy to address specific concerns, such as preventing workplace accidents.

Furthermore, we implement special services to manage claims, thereby enabling us to react rapidly and effectively, which our customers greatly appreciate as minimising business interruptions and receiving compensation in a timely manner are of vital importance.

The strengths of our commercial general liability policy

  • Expert teams ready to meet and fulfil your expectations ;
  • Innovative coverage, such as environmental damage cover ;
  • Robust Financial rating through Covéa Group ;
  • A revised package that positions Covéa among the market leaders in terms of coverage ;
  • French CAC40 and public sector organisations place their trust in us.
     

For further information about MMA’s insurance solutions, please contact your insurance broker