Liability

Description of Coverage:

     This coverage protects your business from claims arising from alleged bodily injury, 

personal injury, or property damage liability.  It includes protection for services rendered

or products you sell.  Coverage payments can include judgments, attorney's fees, court

costs, or other related expenses.  This form provides coverage for claims arising out of an 

accident which results in bodily injury or property damage neither expected nor intended.

The occurrence form covers such claims that are not excluded that occur during the policy period 

irrespective of what date the claim is made against you.

*Liability is calculated by multiplying the rate per $1000.00 of payroll cost.

Commercial General Liability Coverage includes:

    Premises/Operation Liability, Limited Worldwide Liability, Products/Completed Operations

    Liability, Employees as Additional Insured's, Limited Contractual Liability, Extended 

    Bodily Injury Liability, Personal and Advertising Injury Liability, Automatic Coverage

    for Newly Acquired Organizations, Host Liquor Liability, Trailer and Equipment Liability 

    Coverage, Broad Form Property Damager Liability, Non-owned Watercraft Liability for 

    watercraft under 26'.

Significant Policy Exclusions Includes:

    Pollution Liability, Automobile Liability, Asbestos Liability, Employee Benefits Liability,

    Employee Related Practices Liability (such as discrimination, sexual harassment, wrongful

    termination, etc), Employer's Liability (Worker's Compensation), Directors and Officers

    Liability, Professional Liability, Watercraft Liability, Civil Rights Act Liability, Aircraft

    Liability, Americans with Disabilities Act Liability.

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