Commercial General Liability
Mitti Insurance is now offering standalone liability paired with real-time risk management technology.
$30M Primary Limit
$30M in Excess Lines
Mitti Insurance has entered the liability market with a Commercial General Liability (CGL) policy engineered for sectors with meaningful product and operational exposures. Our offering pairs broad liability insurance protection with the Mitti platform, giving clients a practical, real-time risk management solution.
Built for a broad range of industries and activities
Our team is here to help with specialties across (but not limited to):
Not seeing your sector? Get in touch with our team to explore how we can support your client’s risk.
Tailor coverage to your client's needs
Flexible extensions with high sublimits — particularly valuable for manufacturing, wholesale, and businesses with US distribution exposure.
FEATURE | STATUS | DETAILS |
|---|---|---|
$30M Primary Limit $30M Excess Lines | A robust limit designed to provide your client with comprehensive protection. | |
Contract Liability (incidental + agreed contracts) | Included upon request | Cover to support your client and their most critical business relationships |
Principal's Indemnity | Included | Designed to support your client with their contractual compliance requirements |
Cross Liability | Included | Peace of mind for when complex legal matters arise that impact your client and their business partners. |
Mitti App | Included | Every policyholder will be provided access to the Mitti app, a suite of industry-leading tools to help identify, understand, and mitigate operational risks. |
Policy terms, conditions, limits, exclusions and underwriting criteria apply. Subject to underwriting approval, policy terms, conditions, exclusions and applicable sub-limits. Please refer to the Policy Wording available from our website.
Optional Extensions
Mitti Insurance, Custody & Control
Covers liability for third-party property in your client's care, custody, or control.
Manufacturers E&O (Financial Loss)
Protects against claims for financial loss arising from errors or omissions in manufactured products.
Product Recall Expenses
Covers the costs associated with recalling a defective product from the market.
Faulty Workmanship
Provides cover for liability arising from defective workmanship delivered by the insured.
Vendors Liability
A major advantage for manufacturers and wholesalers supplying large retailers — can satisfy major distributor contractual requirements.
North American Exports (incl. US)
Optional cover for businesses exporting goods to the United States and North American markets.
The difference with Mitti
With Mitti Insurance, prevention comes first. Every policyholder gets access to tools and expertise to help protect their business every day, not just when things go wrong.
This includes Mitti, an industry-leading risk management app, designed to help businesses identify, understand, and mitigate operational risks.
For brokers, it's a stronger value proposition that turns insurance into a tool for prevention, not just protection.
Commercial General Liability Quick Links
Policy wording
For the full details of the terms, conditions, limits and exclusions, refer to the link below.
Make a claim
For the full details of CGL-related claims and policies, refer to the link below.
File a complaint
To learn more about how to file CGL-related complaints, refer to the link below.
Insurance products are issued by Mitti Insurance Pty Ltd (formerly SafetyCulture Care Australia Pty Ltd) ABN 54 662 653 303 AFSL 544306 (“Mitti Insurance”) as agent for Certain Underwriters at Lloyd’s (the “Insurer”). Mitti Insurance has a binding authority to issue, renew, vary and cancel contracts of insurance on behalf of the Insurer. Neither we nor the Insurer provide any advice on this insurance based on any consideration of Your objectives, financial situation or needs. Policy terms, Conditions, Limits, Exclusions and underwriting criteria apply. Please refer to the Policy Wording or call Your broker for further information.