Casualty coverages

The major liability products. The professional-liability/E&O family is where the Glacis product lives — flagged below. All STABLE.

Commercial General Liability (CGL)

The core business-liability policy. Covers:

• Premises & operations — bodily injury / property damage arising from the business’s premises or ongoing work (slip-and-fall in your store).
• Products & completed operations — harm from your products or finished work after you’ve left the job.
• Personal & advertising injury — libel, slander, copyright in advertising, wrongful eviction, etc.

CGL is typically written on an occurrence trigger. STABLE

Auto

• Personal Auto Policy (PAP) and Business/Commercial Auto — liability (bodily injury/property damage you cause), medical payments, uninsured/ underinsured motorist (UM/UIM), PIP/no-fault (in no-fault states), and physical damage (collision + comprehensive — these last two are property coverages riding in an auto policy).

Workers compensation & employers liability

• Workers compensation — a statutory, no-fault system: employees injured on the job get medical + wage benefits regardless of fault, in exchange for giving up the right to sue the employer. (Coverage A = statutory benefits.)
• Employers liability (Coverage B) — covers the employer for work-injury suits that fall outside the workers-comp system.
• Rating uses an experience modification factor (mod) — see 02 Rating & pricing.

Professional liability / E&O — ★ the Glacis family

Coverage for financial harm caused by a professional’s negligent act, error, or omission while rendering professional services. Almost always claims-made. Variants:

• Errors & Omissions (E&O) — professionals/service providers (incl. insurance agents themselves).
• Directors & Officers (D&O) — liability of company leadership for management decisions.
• Cyber liability — data breach, privacy, network security (first- and third-party).
• Technology E&O (Tech E&O) — E&O for tech products/services, usually blended with cyber. ← This is the Glacis product. See 06 Tech E&O and 02 E&O / professional liability.
• Medical malpractice — professional liability for healthcare providers.

The Glacis play insures healthcare AI vendors’ professional/tech exposure — a Tech E&O product. The “healthcare” is the customer vertical; the line is Casualty. See 03 Lines of authority.

Other casualty coverages

• Umbrella / excess liability — sits above primary policies, adding limit (and sometimes broader coverage).
• Commercial crime & fidelity — employee dishonesty, theft, forgery.
• Surety bonds — a three-party guarantee (principal, obligee, surety) that an obligation will be performed; not insurance in the indemnity sense, but sold by casualty producers.
• Businessowners Policy (BOP) — packages property + general liability for small business (its liability part is casualty).

Casualty provisions worth knowing

• Supplementary payments — defense costs, bail bonds, court costs the insurer pays in addition to the limit.
• Additional insureds — third parties added to the policy (common in contracts).
• Aggregate erosion — each paid claim reduces the aggregate limit available for the rest of the policy period.

Next

→ 02 E&O / professional liability

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