General Liability

Commercial General Liability Policy is extremely broad in nature. It insures the bodily injury liability and property damage liability exposures of a variety of commercial businesses, enterprises and ventures.

These policies can be offered on either an occurrence or a claims-made basis, as a monoline policy or combined with one or more other lines of insurance to form a commercial package policy. The basic exposures of the named insured covered by the coverage forms include:

• Ownership, maintenance or use of the premises
• Operations conducted or performed on or off the premises
• Written contracts and agreements
• Products manufactured, sold or distributed
• Completed operations
• Personal injury
• Advertising injury
• Medical payments on the premises or at jobsites, without regard to fault

Each of these coverages is subject to certain policy definitions, exclusions and limitations.