We have consistently received feedback from our agency partners that our general liability premiums are too low compared to those of our competitors in our market.  

Effective March 1, 2015, for both new and renewal business, we are instituting new minimums for General Liability.  The minimum is based on the increased limit factor (ILF) table associated with the applicable general liability classification.  Therefore, insureds with lower liability limits or with lower hazard classifications will have lower minimum premiums than insureds with higher limits or higher hazard classifications.  

The minimums will apply as follows:

Premises/Operations Subline

Table 1  $300 x the applicable ILF

Table 2  $325 x the applicable ILF

Table 3  $350 x the applicable ILF

Products/Completed Operations Subline

Table A  $100 x the applicable ILF

Table B  $125 x the applicable ILF

Table C  $150 x the applicable ILF

If you should have any questions or concerns about this subject in general, or individual policies you may have with us, please contact your Underwriter or Field Manager.

We truly appreciate your continued feedback and support as we work together to make Patriot Insurance your carrier of choice.