Frequently Asked QuestionsAbout Our General Liability Insurance Policy
Why Buy General Liability?
Most insurance carriers exclude coverage for perils regarding all visitors and limit coverages to only clients being served at the time of the actual peril or incident. Most only cover for incidents in your office, and do not cover you for incidents in other areas such as hallways, bathrooms, and waiting rooms. Our General Liability policy covers you for all visitors, all the time while on your premises, or on your rented event venue.
If you operate training or therapy sessions outside your office such as in hotel meeting rooms, then you need to buy our General Liability policy. This policy will also cover you for thefts of and damage to property that is owned by your guests and visitors at these events as well as all visitors to your office.
Many insurance carriers limit fire damage to only $150,000 in total, and only one fire related claim per year. Our General Liability policy has no limits on the number of fire-related claims per year, and full coverage of up to $1,000,000 per policy claim per year, PLUS up to $3,000,000 in aggregate for all fire incident claims per policy year.
If you have many offices and even offices in other states, you are covered for no additional charge.
Is the General Liability policy guaranteed issue?
Yes. As long as you fit into one of the many occupations listed (on the application form). We only ask a few basic information questions to calculate the premium based on your needs, and then to enroll you.
Why do I need General liability insurance and why buy it from you?
Landlords typically require this and no professional liability policies have sufficient GL comprehensive coverage. Most GL policies fail to offer fire liability over $50,000 per incident. The RRG policy includes fire coverage up to $1,000,000 per occurrence and up to $3,000,000 per policy year. Virtually all carriers stop at one occurrence per year and limit the fire coverage to $50,000.Most insurance carriers limit general liability coverage to the actual therapy sessions and to the patient only, not to patient aides and companions, or other locations in the premises beyond the immediate treatment heater. The RRG policy has no such exclusions.
What about the General Liability premium cost to me?
You will not find a General Liability policy cheaper and with as many benefits anywhere. Our General Liability policy coverage is half to one-third the premium cost because the RRG is owned by the policyholders and does not have earnings demands set by Wall Street stockholders.
How about my offices, locations and my employees when calculating my General Liability premium costs?
The RRG only rates on revenue for agencies and multi-office practices. You can have as many offices as you want and in as many states as you want with as many employees as you want without impacting premium calculation cost. For individuals there are only three simple occupational categories to choose from which keeps rating it simple.
What are the General Liability perils and limits?
$1,000,000 sub-limit per occurrence and $3,000,000 in aggregate per policy year. The perils include Property Damage, Bodily Injury, Personal Injury, Advertising Injury, and Fire Legal Liability (no $50,000 sub-limit like all other carriers).
Do I look for General Liability coverage in my Professional Liability Policy?
Absolutely not. Read you PLI policy and you will see the gaps in coverage that expose you. PLI is not General Liability and does not cover you for all of the comprehensive perils that may occur.
Are there any deductibles in any of your insurance policies?
None, and there never will be because RRG law precludes deductibles. All competitors have a deductible and many are virtually hidden.
Are your insurance policy contracts complicated and difficult to understand?
No. The RRG’s contract policies are written in clear, simple, and easy to understand language with all coverages clearly stated. Unlike the competitors, there is no foggy gibberish language, confusing cross-references or buried exclusions that confuse people. What you see is what you get with the RRG
What do I do if I need to make changes to my insurance policy?
Call us at 855-835-2160 or email us to email@example.com. Licensed insurance agents are standing by to help you.
What happens if I have a claim?
Call us at the toll-free HELP LINE number provided. We will conduct a detailed claims intake and immediately start the claims adjudication process on your behalf.
Can I select my own lawyer to defend me?
Yes, but you pay the costs. We provide underwriting the policies, legal defense from our lawyer network of over 350 lawyers in all 50 states to defend you. We pay these legal costs.
Who stands behind your insurance policies?
The RRG is reinsured by various leading worldwide reinsurers including Lloyds London, and SwissRe. NASWIC, a captive insurance carrier, also reinsures all of the RRG’s insurance products, and NASWIC carries the stellar A.M. Best A- “Excellent” rating nationally.
Is the RRG a Mutual Insurance company?
All NASW Risk Retention Group policyholders are members of a mutual insurance company and therefore their policy is evidence of their mutual ownership interest in the NASW Risk Retention Group a mutual insurance company.