Describe who enters the premises and why
Identify customers, vendors, contractors, events, delivery activity, shared spaces, and any areas controlled by a landlord. Hours, security, visitor procedures, and contractual use of the premises can change the liability discussion.
Separate premises work from products and services
Explain whether the business manufactures or sells products, performs completed work, gives advice, hosts events, or assumes another party's liability by contract. Those activities help determine which coverage questions belong outside a general liability form.
Liability questions to resolve before submission
- Who visits each location, and which parts of the premises are open to them?
- Does the business make, distribute, sell, install, or advise on any product or service?
- Which leases, vendor agreements, or event contracts contain insurance or indemnity requirements?
What CARMA wants the submission to explain
These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms.
- Describe customer, vendor, contractor, event, delivery, and shared-premises activity at each location.
- Separate premises exposure from products, completed work, professional services, and automobile activity.
- Provide the leases and contracts that create insurance, indemnity, or additional-insured requirements.
Records for a general liability review
- Location and operations schedule with sales, visitor activity, and hours
- Leases, major contracts, event details, and certificates or requirements received
- Product and service descriptions, loss history, and current liability coverage
Can CARMA consider this account?
CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement.