The document provides an overview of factors to consider when underwriting liability insurance. These include details about the insured, their occupation, premises, custody of property, work away from premises, emissions, customers, processes, use of chemicals and hazardous substances, health and safety records, trade waste, manufacturing processes, source of materials, design work, products, purpose of products, safety considerations, complexity, packaging, and discontinued products. Secondary risks from number of people affected, reliance on the product, and how the end user utilizes the product are also important to assess.

1. Underwriting Liability Insurance General Overview

2. U/W Consideration

3. The Insured

4. Occupation

5. The Premises

6. The Premises

7. Custody or control of Property

8. Work Away

9. Emissions

10. Customers

11. Processes What kind of risk exposures arises from business process? Use of chemicals and hazardous substances The insured health and safety records Dealing with by-products and trade waste Initial manufacturing or assembly work on other companies products? Source of raw materials Extent of any design work

12. Products What the product is for? Products that are consumed Safety critical products Complex products Testing equipments Packaging, labelling, brochures, etc Discontinued hazardous products

13. Products Other factors to be considered: Number of people or the scale of property affected Secondary reliance on the product What else the end user may do with the product The design risk

14. FINISH