General Liability Policy Feature Checklist
What to confirm in a general liability policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current general liability policy and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Occurrence Form | Covers injuries that happen during the policy period, whenever the claim is made. | Standard | |
| Products-Completed Operations | Covers injuries from products sold or work finished — confirm the aggregate limit. | Standard | |
| Blanket Additional Insured (Primary & Non-Contributory) | Meets most customer and landlord requirements without adding each one separately. | Often limited | |
| Contractual Liability (Insured Contract) | Covers indemnity promised in leases and contracts. | Often limited | |
| Blanket Waiver of Subrogation | Often required by contracts. | If needed | |
| Per-Location or Per-Project Aggregate | Keeps one location's claims from using up the limit for all others. | If needed | |
| Key Exclusions | Review assault and battery, abuse, liquor, pollution, and professional exclusions against your operations. | Often limited |
The gap most often missed in this coverage
The most commonly missed gap in this coverage is contract requirements. Leases and customer contracts often require additional-insured status on a primary and non-contributory basis, waivers of subrogation, and broad indemnity — which a basic policy may not provide. With slip-and-fall claims rising in cost and large verdicts up 52% in 2024, businesses should confirm blanket endorsements and review key exclusions.
Send us the checklist and we'll review your general liability coverage line by line, then market it across multiple carriers that compete for your account.
Related: General Liability Insurance · General Liability Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a general liability policy include?
Standard features to confirm in a general liability policy include Occurrence Form, Products-Completed Operations. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my general liability coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.