General Liability Insurance

Protecting businesses from the high costs of injury claims, property damages, or even advertising claims is the core of any risk management program.

Chartis' comprehensive General Liability insurance coverage is available to protect address a variety of needs for companies in nearly all industries.  Our general liability programs are flexible and offer a wide range of program structures.

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  • Features

    Our flexible underwriting allows us to develop an insurance solution best suited for each individual client's needs.

    -  We offer a wide range of program structures including guaranteed cost, self-insured
       retention, large deductibles, incurred- and paid-loss retentions and captive arrangements.
    -  Our experienced underwriting allows us to build industry specific solutions customized 
       to address each client's unique exposures.
    -  Mono-line coverage is available, or multi-line insurance solutions for a complete package to 
       avoid gaps and expensive redundancies in coverage.
    -  Coverage enhancements available for clients looking to "Go Green".
    -  Our flexible underwriting allows us to design coverage that meets the needs of businesses in
        virtually any industry including:
           ConstructionPublic Entities
           Financial ServicesReal Estate
           HealthcareRetail
           Hospitality & GamingTemporary Staffing
           ManufacturingTransportation
  • Benefits

    Our program benefits are in place to help clients mitigate losses and effectively manage or reduce costs.

    -  Loss control services provided by ISO 9001-2000 certified engineers
    -  Account management services assist with loss adjustments and other service areas
    -  Choice of in-house claims services or TPAs to manage claims
    -  Online tools such as IntelliRisk® are available to manage claims
    -  Extensive experience in the construction industry to address the needs of contractors of all sizes
    -  Coverage enhancements available by endorsement to include limited product withdrawal
        coverage
 

Our specialized claims services manage a broad spectrum of casualty exposures and are segmented by specialty to ensure claims are handled by claims professionals most experienced with any given loss and product type. Once a claim is reported, our approach brings to bear high quality investigative, legal and engineering expertise early in the claims process when it can have the greatest benefit for the client.

  • Chartis Claims Advantage

    Claims in litigation benefit from some of the nation’s top legal defense firms and forensic and evidence
       experts.  Claims that require field investigations are referred to a premier team of investigators who
       undertake a rigorous and methodological approach to protect our policyholders’ assets.

    -  Dedicated customer-focused teams for transportation/fleet, entertainment, retail, products liability,   
       commercial auto, construction, energy and many other industries facing particularly complex and
       unique risks.

    -  Positioned catastrophe teams to respond expeditiously to incidents nationwide and an expansive
       network of nurse consultants to conduct field-based case management.
  • Claims Capabilities Facts

    -  We paid approximately $19 billion in claims in 2009
    -  Our teams handled over 825,000 claims in 2009
    -  We have one of the largest, most specialized claims departments in the industry with unmatched
       credentials.
    -  Claims staff averages 11 years industry experience. 
    -  Our staff has more than two decades of experience writing specialty/complex lines.
    -  Our commitment and longevity in the insurance market means we’ll be here to handle our 
       policyholders' claims in the years to come.
    -  We have a dedicated structured settlements department that works closely with claims professionals
       in the claims resolution process to maximize savings to the insured.
    -  Chartis U.S. has a nationwide presence and global experience.
        -  Panel counsel firms that cover every jurisdiction in the U.S.
        -  25 service centers and numerous dedicated/specialty claims staff located nationwide.
        -  24 staff counsel offices in 15 states.
    Paperless claim handling process was implemented to improve operating flexibility. This paperless
       process is supported by two zonal Operations Centers located near the zonal headquarters. The
       Operations Centers are responsible for all mail processing, claim setup, medical bill processing and
       certain bill payment responsibilities within the zone and each contains a customer service call center.

  • To report or check the status of a claim please contact us:
    Tel: 877-399-6442
    For emergency claim reporting outside normal business hours, call toll-free: 888-244-2736
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