General Liability Insurance | ZORN
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General Liability Insurance
Cover Everyday Business Risks
ZORN builds contract-ready general liability programs for Georgia businesses with fast COIs, required endorsements, claims guidance, and proactive renewals.
- Protects against bodily injury, property damage, and personal/advertising injury
- Contract-ready: additional insured, waiver of subrogation, primary/non-contributory
- Limits sized to operations and client requirements (umbrella options available)
- Fast COIs, clear claims guidance, proactive renewal planning
Unexpected accidents, contract requirements, and tight timelines are part of running a business. ZORN helps you shape a General Liability (GL) policy around real exposures—so jobs aren’t delayed, certificates are issued fast, and claims are handled with practical guidance from a local team.
Industries We Serve with Our General Liability Services
Each sector has different certificate demands and endorsement language. We tailor forms and timelines to your customers’ expectations.
Contractors & Trades
Delivery & Logistics
Manufacturing
Agriculture & Food Services
Main Street & Retail Services
Healthcare
ZORN General Liability: What it Covers
Bodily Injury & Property Damage
Protection if your operations allegedly cause injury or property damage to others—on a jobsite, at your premises, or while performing work.
Personal & Advertising Injury
Coverage for libel, slander, and certain advertising-related offenses tied to your business activities.
Medical Payments (Small, No-Fault Incidents)
Helps resolve minor injuries quickly without determining fault, reducing friction with customers and visitors.
Products & Completed Operations
Coverage for claims that arise after work is finished or products are in use. We align limits and aggregates to your typical project size and risk profile.
Limits, Deductibles & Umbrella
We start with typical baselines for your trade and scale from there. Deductibles and umbrellas are tuned to contract needs, risk tolerance, and budget—so you’re compliant without overbuying.
Contract Requirements & Endorsements
Many clients mandate specific language custom to their industry. We make the paperwork easy and seamless.
Additional Insured (Ongoing and Completed Operations)
Waiver of Subrogation and Primary/Non-Contributory Wording
Per-Project and Per-Location Aggregates When Needed
Stacked Requirements for GCs, Municipalities, Healthcare, and Industrial Facilities
Proof You Can Trust
For more than six decades, Zorn has supported Georgia employers with dependable service and accountable follow-through. Clients value our responsiveness, clear communication, and the way we make complex requirements easier to manage.
“ZORN helped us uncover gaps that could have exposed us to everything from property losses and employee liabilities to income recovery and auto protection issues. Without ZORN’s risk management insight, we may not be in business today.”
Claims & Certificates — Without the Frustration
When you need to file a claim or get a certificate, you shouldn’t be left waiting or given the runaround. ZORN ensures you get the support you need when you need it most.
COIs
Same-day targets during business hours for standard requests; complex wording handled promptly
Claims Support
What to document, when to file, and how to keep projects moving
Renewals
60/45/30-day checkpoints—no last-minute surprises
Common General Liability Questions
Many start at $1M per occurrence / $2M aggregate and add an umbrella when contracts or project size warrant it. We’ll size limits to your work and client requirements.
Yes—service and install work can trigger completed-ops exposures after the fact. We’ll confirm appropriate limits and aggregates.
It depends on your contracts and policy wording. We’ll address subcontractor warranties, additional insured requirements, and risk transfer practices.
We issue certificates with the exact language required and coordinate endorsements with the carrier.
Get a ZORN GL Coverage Review
Request a general liability review.
You’ll get options, required endorsements, and clear next steps from a Southeast Georgia team that follows through.