General Casualty

Richmond National focuses on Apartment, Association, Lessor’s Risk, Hospitality and Retail Classes having proper controls and practices in place.

Target Classes

  • Apartments – no limitation on senior, student or subsidized tenants
  • Condominium and Homeowner Associations
  • Hotels, Motels and Resorts
  • Land Owners
  • Lessor’s Risk Only – including shopping centers, offices, manufacturing, or warehousing properties 
  • Property Managers (having scheduled locations)
  • Vacant buildings / Vacant land
  • Warehouses
  • Bars / Taverns, Lounges, Nightclubs
  • Convenience Stores – with or without gasoline sales and / or car washes
  • Grocery Stores and Supermarkets
  • Restaurants with or without liquor (no limitations on liquor receipts)
  • Retail / Mercantile Trade – owned and LRO
  • Distributors – products manufactured in U.S.

Limits Available

  • Primary General Liability limits of $1,000,000 occurrence and $2,000,000 aggregate
  • Liquor Liability limits of $1,000,000 / $1,000,000
  • Aggregate limit per location up to $10,000,000 policy cap
  • Up to $5,000,000 excess limits available with submission to Excess Casualty


  • Comprehensive General Liability occurrence form
  • Medical Payments *
  • Liquor Liability *
  • Employee Benefits Liability *
  • Garagekeepers Legal Liability *
  • Innskeepers Liability *
  • when supported by general liability coverage

Submission Requirements

  • ACORD Commercial Insurance application and General Liability application with a complete description of operations (signed and dated by the insured when bound)
  • Supplemental application, where appropriate (signed and dated by the insured when bound)
  • Five-year currently-valued company loss runs with a description provided for losses over $25,000
  • Website information