Commercial General Liability Rating

Modern Commercial General Liability Rating Built for Insurance Organizations

Commercial General Liability (CGL) is one of the most widely written commercial insurance products. Rating General Liability policies requires insurers to evaluate classifications, payroll, sales, receipts, exposure bases, limits, territories, underwriting guidelines, carrier pricing, and bureau rules while maintaining speed and pricing accuracy. SelectRate provides a modern Commercial General Liability Rating platform that enables carriers, Managing General Agents (MGAs), wholesalers, program administrators, and InsurTech companies to configure, rate, test, govern, and deploy General Liability products from one centralized platform. Whether you write ISO based General Liability products or proprietary carrier programs, SelectRate provides the flexibility needed for enterprise commercial insurance operations.

What Is Commercial General Liability Rating?

Commercial General Liability Rating is the process of calculating insurance premiums based on business exposures, bureau rules, carrier pricing, underwriting guidelines, and policy characteristics.

Premium calculations may consider:

Classification Codes
Payroll
Gross Sales
Gross Receipts
Area
Units
Number of Employees
Coverage Limits
Deductibles
Geographic Territory
Underwriting Characteristics

The rating engine automatically applies the appropriate methodology for each product.

Built for Commercial General Liability

SelectRate supports virtually every General Liability program.

Including:

ISO Commercial General Liability

Admitted Programs

Non Admitted Programs

Specialty Liability Programs

Artisan Contractors

Manufacturing

Hospitality

Retail

Professional Services

Technology Companies

Each program maintains independent pricing while sharing one enterprise platform.

ISO General Liability Rating

Configure ISO General Liability products without modifying software code.

Manage:

ISO Classification Codes
Exposure Bases
Base Rates
Minimum Premiums
Coverage Options
Rating Rules
Effective Dates
Product Versions

Carrier pricing remains independent from ISO content. Learn more about ISO Commercial General Liability Rating.

Classification Management

General Liability products rely heavily on accurate classification management.

Configure:

ISO Class Codes
Carrier Classifications
Industry Groups
Exposure Types
Eligibility Rules
Classification Descriptions

Classification changes automatically flow into premium calculations.

Exposure Rating

General Liability supports multiple exposure bases.

Calculate premiums using:

Payroll
Sales
Gross Receipts
Area
Units
Admissions
Population
Number of Vehicles
Employee Count

Each classification can use its own exposure basis.

Carrier Pricing

Every carrier can maintain independent General Liability pricing.

Configure:

Carrier Multipliers
Product Factors
Schedule Rating
Discounts
Surcharges
Minimum Premiums
State Variations

Carrier pricing is layered on top of bureau content. Learn more about Carrier Rate Multipliers, Carrier Rating Overrides.

Underwriting Automation

General Liability underwriting rules are fully configurable.

Evaluate:

Industry Eligibility
Classification Eligibility
Revenue Thresholds
Claims History
Geographic Restrictions
Refer to Company
Judgment Rates
Consent to Rate

Underwriting decisions occur automatically during rating.

Premium Calculation

SelectRate performs complete General Liability premium calculations.

Evaluate:

ISO Base Rates
Exposure Basis
Carrier Pricing
Experience Adjustments
Territory Factors
Taxes
Fees
Final Premium

Every calculation is fully transparent through Rating Worksheets and Rating Trace.

Forms and Endorsements

Automatically assign required General Liability documentation.

Supports:

ISO Forms
Carrier Forms
State Forms
Endorsements
Supplemental Applications
Regulatory Notices

Documentation remains synchronized with product versions. Learn more about Forms Management, Endorsement Management.

Automated Testing

Every General Liability product should be validated before deployment.

Test:

Premium Calculations
Classification Changes
Formula Changes
Carrier Pricing
Underwriting Rules
API Responses

Automated testing reduces production risk while improving pricing confidence.

API Integration

Expose General Liability rating through secure REST APIs.

Integrate with:

Agency Management Systems
Policy Administration Systems
Broker Portals
Customer Portals
Mobile Applications
Third Party Platforms

Every application uses the same centralized rating engine. Learn more about Insurance Rating API

Effective Date Management

General Liability products evolve throughout the year.

Manage:

Historical Products
Current Products
Future Products
Bureau Updates
Carrier Updates
Renewal Versions

Organizations prepare future releases without affecting production. Learn more about Effective Date Management

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Enterprise Governance

Every General Liability product change is fully documented.

Track:

Product Versions
Formula Changes
Pricing Changes
User Activity
Approval History
Deployment History
Audit History

Organizations maintain complete visibility throughout the product lifecycle.

Benefits of SelectRate for General Liability Rating

Insurance organizations modernize General Liability rating to improve operational efficiency.

Benefits include:

Faster Quote Turnaround
Accurate Premium Calculations
Configurable ISO Products
Simplified Carrier Pricing
Better Underwriting Consistency
Enterprise Governance
Automated Testing
Modern API Integration
Complete Audit History
Reduced Operational Risk

Related Resources

Frequently Asked Questions

Commercial General Liability Rating calculates insurance premiums using classifications, exposure bases, bureau rules, carrier pricing, underwriting guidelines, and policy characteristics.

Yes. SelectRate supports ISO Commercial General Liability products together with proprietary carrier pricing and underwriting rules.

Yes. Products can calculate premiums using payroll, sales, receipts, area, units, employees, admissions, or other configurable exposure bases.

Yes. Automated testing validates formulas, classifications, premiums, underwriting rules, and API responses before production deployment.

Yes. General Liability rating is available through secure REST APIs for agency management systems, policy administration systems, portals, and third-party applications.

General liability insurance typically covers bodily injury, property damage, personal injury, advertising injury, and related liability exposures.

Industry classification, revenue, payroll, claims history, years in business, business operations, and coverage limits commonly affect pricing.

Yes. Automated rating platforms reduce manual work, improve consistency, and accelerate quote generation.

Modernize Commercial General Liability Rating

Build, configure, rate, test, govern, and deploy Commercial General Liability products from one enterprise platform designed specifically for modern commercial insurance organizations.