General Casualty

Aspera offers Commercial General Liability and Products/Completed Operations Liability for difficult-to-insure businesses in over 200 eligible classes. We can tailor innovative solutions for your hard-to place-risks, including habitational, retail, and hospitality risks

We are interested in all risks, but we particularly target risks that have been non-renewed, have a poor loss history, or are located in a difficult legal venue.

With Aspera, you and your clients will receive a customized underwriting process to deliver competitive solutions fast.

In most cases, we can turn around a quote to you within hours!

Target Classes for General Casualty coverage

  • Churches
  • Condo and homeowners associations
  • Flea markets
  • Fuel haulers
  • Gas stations
  • Grocery stores and supermarkets
  • Gyms/fitness centers
  • Habitational
  • Hotel, motel, and resorts
    (will consider long-term single room occupancy)
  • Lessor’s risk
  • Liquor Liability (supported)
  • Property managers
  • Quarries
  • Restaurants
  • Retail stores
  • Schools
  • Shopping centers
  • Vacant land and buildings
  • Warehouses

Policy Structure

Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best.

  • $10,000,000 capacity
  • Commercial General Liability
  • ISO Occurrence and Claims-Made coverage forms
  • ISO Liquor Liability coverage
  • Customized coverage
  • Per location aggregate endorsement
  • Hired and non-owned auto (supported)


You can get General Casualty insurance coverage from us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick response time – receive a quote within hours
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD Commercial Insurance application and General Liability application with a complete description of operations
  • Supplemental application, where appropriate
  • Five-year currently-valued company loss runs, with a description provided for losses over $25,000
  • Insured's website information
Send a Submission
Printable General Casualty Information
View our Appetite Guide
Become Appointed

Our Commercial Lines Team

Kyle Flynn, Division Manager
(804) 774-2102
Austin Cheatham, Associate Underwriter
(804) 774-2105
Chris Hinchcliff, Associate Underwriter
(804) 774-2114