Our program was designed for and by the building community to offer a general liability policy that is among the broadest in the industry. We do have exclusions,  but you will not be surprised by hidden exclusions.  BIIA sends our loss control specialist out to meet with every purchaser of our general liability policy to ensure that our clients understand the requirements of our policy, and have in place the tools that will assist them when that unexpected event occurs.  No insurance policy covers everything, but you should be aware if an exclusion exposes your business, then you can make the business decision to accept the risk or if there is another means to transfer the risk whether it is through the purchase of a different insurance product or through contractual risk transfer.