Coverage Types

Inori supports four primary coverage types that align with standard ACORD 25 certificate sections. Each coverage type protects against different categories of risk.

General Liability (GL)

Commercial General Liability covers third-party bodily injury, property damage, and personal/advertising injury claims. This is the most commonly required coverage type.

Key limits:

• Each Occurrence — Maximum payout per incident.
• General Aggregate — Total payout for all claims in a policy period.
• Products/Completed Operations — Covers claims from delivered goods or finished work.

Workers Compensation

Workers Comp covers employee injuries and illnesses that occur on the job. Most states require this coverage for any business with employees.

Key limits:

• Each Accident — Per-incident limit for workplace injuries.
• Disease - Each Employee — Per-employee limit for occupational disease.
• Disease - Policy Limit — Aggregate limit for all disease claims.

Automobile Liability

Covers liability arising from the use of owned, hired, or non-owned vehicles. Required when vendors operate vehicles on or near your project site.

Key limit:

• Combined Single Limit — Covers both bodily injury and property damage per accident.

Umbrella / Excess Liability

Provides additional coverage above the limits of underlying policies (GL, Auto, Workers Comp). Umbrella policies activate when the primary policy's limits are exhausted.

Key limits:

• Each Occurrence — Per-incident excess coverage.
• Aggregate — Total excess coverage for the policy period.