Describe the allegation, not just the policy name
Consider a customer slipping at your premises, accidental damage at a client site and a client’s financial loss after your advice. Ask the provider which policy addresses each scenario. A general liability label does not establish protection for every professional service or financial-loss allegation.
Which policy addresses the actual services and allegations in this business?
Check the accepted business description
List products, advice, installation, subcontracting and online services. Ask how exclusions and overlapping policies interact. Compare insured entities, territory, limits and defence costs without assuming that buying two policies removes every gap.
Are any services excluded or left between the proposed policies?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Business activities and products
- Revenue, staffing, and territories
- Customer contracts and certificate requests
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.