Commercial General Liability
Commercial General Liability (formerly known as Comprehensive General Liability) includes 4 sections of coverage
Section A: Bodily Injury and Property Damage – This coverage protects the policy holder when he/she is found legally obligated for damages of property damage or bodily injury to a third party arising out of his/her negligence and/or products. This also covers the policy holder’s Employees actions within the scope of their work (please note Professional Liability is excluded and must be covered by an Errors & Omissions policy – refer to common exclusions in the wording)
Section B.- Personal Injury & Advertising Injury Liability – This is only covered when there is a limit indicated on the policy declarations and in some cases, depending on the type of business insured, may not be available without a special policy. This coverage deals with damage to a person’s character, reputation and/or position in the community as a result of libel (in print) or slander (verbal defamation) and is intended to protect the policy holder accused of libel or slander.
Section C. Medical Payments – This coverage is to provide for a third party’s minor medical expenses for an injury that occurred on the policy holder’s premise – regardless if negligent or not. In essence, the coverage is offered as a way to hopefully avoid a costly law suit. This does not cover injury to employees and if there are tenants in the policy holder’s building, it does not cover tenants injured within their own suite. Again, please refer to wording for full list of exclusions.
Section D. Tenant Legal Liability – If you unintentionally cause property damage to the workspace you rent or lease this coverage would respond for the space you occupy.