COMMERCIAL LIABILITY EXPOSURE ANALYSIS CHECKLIST (Excerpt)
This checklist is designed to assist in beginning the commercial liability coverage analysis. This is only a starting point, because additional risk specific questions may arise as the exposures are developed. This analysis should be combined with exposure analysis checklists for other coverages to develop a complete picture of the insured's operations.
The checklist may be used to determine the amount of insurance needed to provide adequate coverage for your insured and for tailoring endorsements necessary to meet your insured’s specific exposures and insurance coverage needs. Keep in mind that this form is not intended to be a complete analysis of all the insured's hazards or exposures.
The applicant’s primary operations are:
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The applicant’s secondary and/or incidental operations are:
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The applicant used to be involved in the following operations, but they have been discontinued:
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The hours of operations are: _____________________________________________________________
How many days per week is the applicant open? ___
Is this a seasonal operation? ___ Yes ___ No
If yes, what is the season? From: _____________ to: _____________
Does the applicant have a safety program? ___ Yes ___ No
Does the applicant have a disaster plan? ___ Yes ___ No
ON PREMISES EXPOSURES
Describe the applicant’s on-premises operations.
OFF-PREMISES
Do applicant employees interact on a regular basis with customers off premises? ___ Yes ___ No
If yes, answer the following:
