Customarq General Liability

Chubb’s Customarq General Liability products afford primary protection for bodily injury, property damage, advertising injury and personal injury to a third party for which a company is liable. Customarq provides a separate advertising/personal injury aggregate limit that is not subject to a general aggregate limit.

General liability insurance addresses a wide range of liability loss exposures, falling into two categories:

Premises and operations liability — liability for conditions or activities arising out of the premises or operations of a company
Products and completed operations liability — liability of a company to a user who is harmed by products manufactured, sold or distributed by the company

Product Highlights

Worldwide coverage territory for suits brought in the United States, its possessions or territories, or Canada
Vendors automatically included as insureds
Lessors of equipment and premises automatically included as insureds
Existing subsidiaries, including unscheduled partnerships, joint ventures, professional corporations and limited liability companies, automatically included as insureds
New subsidiaries, including unscheduled partnerships, joint ventures, professional corporations and limited liability companies, automatically included as insureds
Written contractual liability for bodily injury, property damage, advertising injury and personal injury
Oral contractual liability for bodily injury and property damage
Personal injury includes discrimination, harassment and segregation (other than employment-related)
Bodily injury includes humiliation, mental anguish, mental injury and shock resulting from physical injury
Medical expenses, including injury to insured’s tenants and persons working on insured’s behalf
Reporting period for medical expenses protection is three years from date of accident

Customarq General Liability can be purchased either packaged with property insurance, or monoline. A general liability insurance program can include a blend of traditional insurance and alternative risk financing mechanisms to help manage a company’s risk. Furthermore, the general liability policy form can be purchased on an occurrence basis or a claim-made basis.

With Customarq's global extension, a company’s overseas operations receive the same quality protection provided in the domestic program. Chubb can insure domestic and foreign exposures, including protection against differences in conditions / differences in limits contained in policies issued in a foreign country.

When does a company need Chubb’s Customarq General Liability protection? Consider these scenarios:

A manufacturer of power meat slicers is sued alleging that the safety guard on the slicer failed to perform, resulting in partial amputation of a right thumb and finger. The manufacturer is found liable. Customarq General Liability would respond to the $250,000 loss.

A tenant in a condominium complex falls down an improperly lit interior stairwell and suffers significant injuries. The real estate owner is sued for negligence and found liable. Customarq General Liability would respond to the $125,000 loss.

A retailer of nutritional products sells private health information about individuals obtained from its franchises. Those individuals bring a class action suit against the retailer seeking damages for their injuries resulting from the disclosure of this information. Customarq General Liability would respond to the $600,000 in damages plus significant defense expenses.

Service and Strength

At Chubb, we deliver more than solid insurance products. We support our customers through our renowned services, extensive global network and financial strength.

Chubb's reputation for outstanding service is built on a consistent track record of performance by its global network of loss control and claim professionals. Our loss control professionals are experienced in making risk assessments and proposing practical remediation to help mitigate or prevent losses. Should a loss occur, our exceptional claim service is available anytime/anywhere in more than 140 languages through a toll-free number or via the Internet.

Our financial strength continues to earn high ratings from A.M. Best, Standard & Poor’s and Moody’s, leading evaluators of insurance companies. Financial strength, combined with our underwriting expertise and claim service, means you can count on Chubb to be there when you need us most.

Additional Information
Chubb Unveils Suite of Integrated Liability Insurance Products

Learn more about:

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Claims - Please go to Chubb's Claims Services.
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