Liability Limits Explained

The per occurrence limit is the maximum amount available for claims arising out of any one occurrence. The general aggregate limit is the maximum payable amount for all claims during the policy year arising out of occurrences, except products and completed operations claims. The products aggregate limit is the maximum amount available for products and completed operations claims.

Premises / Operations Coverage

This coverage will insure against claims arising from your ownership, maintenance or use of premises and your operations that are in progress

Products / Completed Operations Coverage

This coverage is used to insure against claims arising out of bodily injury and property damage that results from products you have sold, manufactured, handled, distributed or disposed of; or for work you have performed, provided the accident occurs away from your premises.

Contractual Liability

This coverage is used to insure against bodily injury and property damage claims arising out of the liability of others that you assume in an "insured contract" as defined in the policy.

Personal Injury Liability Coverage

This coverage is used to extend your General Liability policy to include protection against claims alleging false arrest, libel, slander, malicious prosecution, wrongful entry or wrongful eviction.

Advertising Liability

This coverage is used to insure against claims of libel, slander, product disparagement, piracy, infringement of copyrights, etc., that arise out of the advertising of your goods, products or services.

Fire Damage Liability

This coverage is used to insure against your legal liability that arises out of fire damage to structures rented to you or temporarily occupied by you with permission of the owner.

Medical Payments

This coverage will reimburse, without regard to your liability, all reasonable medical expenses incurred by persons as a result of bodily injury sustained by accident as defined in your policy.

Employee Benefits Liability

This coverage is used to insure against negligent acts, errors or omissions committed by you or any person for whose acts you are legally responsible for while engaging in the management of your company's employee benefit plans.

Employment Practices Liability

This coverage is used to provide protection against lawsuits by employees alleging wrongful discharge, discrimination, harassment or other specified employment related exposures.