Commercial General Liability Coverages:
General Liability insurance provides coverage for bodily injury or property damage for which the insured is legally responsible due to negligence or as required by contract. The policy also includes coverage for liability arising from personal injury and advertising injury, medical expenses, accidents occurring on the premises or away from the premises and products, or completed operations. In addition to these limits, the policy pays defense costs.
Personal Injury or Advertising Injury:
Personal injury refers to injury other than bodily injury and can include false arrest, malicious prosecution, invasion of privacy, and damage to reputation. Advertising injury refers to harm caused by an advertisement, such as libel or slander.
Products and Completed Operations Injury:
Product coverage is provided for damages arising from products manufactured, sold, or distributed by the insured. Completed operations coverage is provided for accidents that occur after the insured’s operations have been completed or an item has been built, installed, or distributed for its intended use.
Pays medical expenses resulting from bodily injury caused by an accident on the premise owned or rented by the insured or when prompted by the insured’s operations. No one needs to be liable for a medical payment to be made.
Fire Damage Limit:
Provides coverage for fire damage to rented premises caused by the insured’s negligence.
Liquor liability insurance provides coverage for bodily injury or property damage for which an insured may be held liable by causing or contributing to the intoxication of any person, furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol and violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages. This coverage only applies if the insured is involved in the manufacture, sale, or distribution of alcoholic beverages, furnishes alcoholic beverages for a charge, or provides alcoholic drinks for no charge if such activity requires a license.