General Liability Insurance

The Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury or property damages for which the insured is legally responsible. The policy provides coverage for liability arising from personal injury and advertising injury. Coverage for medical expense is also provided. The policy also covers accidents occurring on the premises or away from the premises. Coverage is provided for injury or damages arising out of goods or products made or sold by the named insured. The insured includes employees of the business listed on the policy.

Following are different terms and coverages:

• General Aggregate
  The General Aggregate Limit is the most money the insurance company will pay under a certain coverage for all claims occurring during the policy term which generally is one year.
• Premises/Operations
  Coverage is provided for damages arising out of ownership or occupancy of the business’ premises when not maintained in a reasonable manner. This also covers damages arising out of operations performed by the insured business.
• Products/Completed Operations
  Products coverage is provided for damages arising out of products manufactured, sold, handled or distributed by the insured. Completed Operations covers damages occurring after operations have been completed or abandoned, or after an item is installed or built and released for its intended purpose.
• Medical Expense Limit
  Medical payments coverage pays medical expenses resulting from bodily injury caused by an accident on premises owned or rented by the insured, or locations next to such property, or when caused by the insured’s operations.
• Advertising Injury
  This coverage pays for damages done in the course of oral or written advertisement that disparages, libels or slanders a person's or organization's goods, products or services.
• Fire Damage Limit
  The fire damage limit provides coverage for fire damage caused by negligence on the part of the insured to premises rented to the named insured. If a fire occurs because of negligence of the insured and causes damage to property not rented to the insured, coverage would be provided under the occurrence limit.
• Personal Injury
  Coverage is provided for injury resulting from offenses such as false arrest, malicious prosecution, or detention or imprisonment. Coverage for libel and slander is also provided in the policy.

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