Having trouble placing that larger general liability or construction risk? R.B. Jones has you covered! Since 2003, R.B. Jones Specialty General Liability has succeeded in targeting specialized exposures typically underserved by the traditional admitted carriers. With access to competitive pricing and customized coverage, R.B. Jones is in a position to handle your most unique risks. Our goal is to target those accounts who present a low frequency and high severity loss potential.

We offer coverage in the following areas written on either an Occurrence or Claims Made basis utilizing the ISO Commercial General Liability form.

• Premises/Operations Liability
• Products/Completed Operations Liability
• Personal & Advertising Injury
• Fire Legal Liability

Coverage Available:

• $10,000 minimum premium
• $5,000-$25,000 deductible (may be written on either per claim or per occurrence basis)
• Coverage included automatically: Broad Form Property Damage, Broad Form Contractual Liability, Defense costs outside the Limits of Liability
  

Limits Available:

• $1,000,000 Occurrence
• $2,000,000 General Aggregate
• $2,000,000 Products/Completed Operations Aggregate
• $1,000,000 Personal & Advertising Injury
• $50,000 Fire Legal Liability

Optional Coverages Available:

• Employee Benefits Liability
• Blanket Additional Insured
• Blanket Waiver of Subrogation
• Per Project Aggregate
  

Commission - 20%

R.B. Jones is seeking risks that do not produce a frequency of claims since the cost of these claims generally erode the premium charged. Also, we see infrequent use of products, or exposure to an operation as favorable risk characteristics.

• Risks that are expected to produce low to moderate claim costs. Single person/claimant injuries are more favorable.
• Risks that have the following favorable characteristics (new ventures, small to moderate amounts of revenues or units of exposures, high unit counts, and infrequent use of a product or exposure to an operation) are good selections.
• Specified product or operation coverage.
  

Both standard ISO and manuscripted endorsements are available to modify coverage. The importance of selection in the underwriting process is critical to insuring the success of the R.B. Jones program.

Favorable Risk Characteristics:

• Predictable losses and determinable date of loss-no latency exposure
• New ventures
• Small to moderate amount of revenues or units of exposure
• High unit cost
• Infrequent use of products or exposure to operation/low public exposure
• Other than consumer use/ low exposure to misuse
• High quality product or operation
• Solid expertise or experience
• Low parameter risk

Eligible Classes:

• Specialty Contractors
• Residential General Contractors
• Commercial General Contractors
• Equipment Rental/Dealers
• Concrete Contractor (Residential & Commercial)
• Excavation Contractor (Residential & Commercial)
• Manufacturing

*This list is not exhaustive. Please contact R.B. Jones if you have questions regarding qualifications of a risk.

Minimum Submission Requirements:

• Completed Acord Application
• Supplemental Application
• 5 Years currently valued carrier loss runs

Note: In order to obtain a premium quotation from R.B. Jones, you must be a qualified producer. To be considered as a producer, please complete and return the Producer Agreement packet. For more information, contact us at producerinfo@rbjonesinsurance.com.