Service-based businesses often assume their General Liability policy protects them from every potential lawsuit. In reality, several common exclusions can leave business owners exposed in ways they may not anticipate.
As we approach Q2, now is the perfect time to evaluate your liability structure and ensure your coverage matches your operations.
Independent Contractors & Subcontractors
If subcontractors perform work on your behalf, improper classification or missing Certificates of Insurance can create serious coverage disputes. Without proper documentation, claims may fall back on your policy.
Professional Services Exclusion
Most General Liability policies exclude professional advice, design errors, or consulting exposure. Businesses offering instruction, expertise, or technical services may require Professional Liability coverage to close this gap.
Completed Operations Exposure
Liability doesn’t end when a job does. If a client alleges damage months after project completion, Completed Operations coverage becomes critical.
Contractual Liability Risks
Many service contracts include hold-harmless agreements. Not all General Liability policies automatically cover these obligations. Reviewing contracts alongside your policy is essential.
Caring Makes the Difference
At Parkway Insurance Group, we understand that running a business already involves enough complexity. Insurance should bring clarity, not confusion. We don’t just review policies, we evaluate how your operations, contracts, and risk exposures interact.
As you prepare for the second quarter of 2026, take a proactive step toward strengthening your protection strategy.
Let’s Protect Your Business: Contact our commercial insurance team today at info@parkwayinsurancegroup.com or calling us at +1 281 558 1991 for a comprehensive liability review.
