General Liability Coverage

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 is the business listed by name on the declarations page as well as its employees.  Several individuals and organizations, other than the named insured, may be covered, depending upon certain circumstances specified in the policy.   In addition to the limits, the policy provides supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

There are two commercial general liability coverage forms available, the occurrence form and the claims-made form.  Both forms are somewhat identical in the coverage offered. The main difference is  in the way claims are handled under the two forms.  The occurrence form covers bodily injury or propertyamage claims that occur during the policy term, regardless of when the claim is reported.  The claims-made policy form only covers claims made against the insured during the policy term.   A claim made after the policy expires is not covered by a claims-made policy unless the claim is covered by an extended reporting period.  The claims-made policy will only have the extended reporting period.  The coverage we are quoting in this proposal is the occurrence form.

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 and released for its intended purpose.