Primary Casualty

Chemical Products Liability

The Casualty Brokerage Division offers specialized coverage for household and commercial chemical manufacturers and distributors, including occurrence coverage for less hazardous, "environmentally green" chemicals.

Coverage Offered

  • Commercial General Liability and Products / Completed Operations Liability.
  • Claims-Made coverage trigger, except for less hazardous or “environmentally green" chemicals that are eligible for Occurrence coverage.
  • Small to moderate deductibles, with options for ground up coverage with no deductible
  • Self-Insured Retention structure is available for qualified applicants
  • General Star's “PLUS Endorsement” provides protection for six types of Additional Insureds, “Other Insurance” on a primary and non-contributory basis, waiver of subrogation, Employment Related Practices and Medical Payments Coverage

Risk Appetite

  • Up to $50,000,000 in revenue
  • New ventures
  • Discontinued Products

Eligible Exposures

  • Manufacturers, importers and distributors of chemicals including:
    • Household and commercial chemicals
    • Fine, commodity and specialty chemicals
    • Organics, inorganics and synthetics
    • Reference or laboratory standard chemicals
    • High hazard:  Explosive, reactive, flammable or toxic
    • Less hazardous and "environmentally green"
      • Natural, non-toxic ingredients and marketed as “environmentally green”.
      • Examples:  Vinegar based cleaners and herbicides, plant or vegetable based products, water based products with natural abrasives such as salt and baking soda.
  • Chemical research laboratories, excluding those performing pharmaceutical research
  • Detergents, lubricants, fertilizers, soap, adhesives and paint/other coatings

Ineligible Exposures

  • Finished Pharmaceutical manufacturers, importers or distributors
  • Pharmacies, including compounding pharmacies

Limits Available

  • General Liability
    • $2,000,000 per Occurrence
    • $4,000,000 General Aggregate
  • Product Liability
    • $2,000,000 per Occurrence
    • $4,000,000 Products / Completed Operations Aggregate
  • Limited Product Withdrawal Expense Coverage
    • Option of $100,000 and $250,000 each withdrawal / aggregate
  • Up to $5,000,000 in Excess limits available

 

Submission Requirements

  • General Star products application or equivalent products application from other insurers
  • Complete product brochure or website equivalent