COMMERCIAL GENERAL LIABILITY POLICY

COVERAGES

• Bodily Injury
  • Injury, Sickness, Disease, Death
• Property Damage
  • Physical damage to tangible property
  • Loss of use of tangible property not physically damaged
• Personal Injury
  • False Arrest, Detention, Imprisonment
  • Malicious Prosecution, Wrongful Eviction or Entry
  • Slander or Libel, Invasion of Privacy
  • Advertising Injury
  • Oral or written publication of material slandering, libeling, disparaging others' goods, products or services; oral or written publication of material that violates a person's right of privacy; misappropriation of advertising ideas or business style, infringement of copyright, title or slogan.

 

EXCLUSIONS

Any occurrence not excluded is covered. Some exclusions are:
Intentional Acts, Pollution, Workers' Compensation Claims, Auto Claims, Watercraft Claims, War, Intentional Advertising Injury, Willful Violation of Law, Erroneous Advertising, Employment Related Practices

Also excluded are claims or allegations of civil liability not included above. For example: allegation of financial or mental harm resulting from malfeasance, misfeasance or nonfeasance (improper act or decision, improper implementation of a proper act or decision, failure of loyalty, disclosure or reasonable care.

NOTE: Defense and coverage for acts in the above paragraph are covered by a Directors and Officers Errors and Omissions policy. For unpaid directors of nonprofit organizations, coverage is provided by most personal umbrella policies.

 

WHO IS AN INSURED

The organization, executive officers, directors, employees. For associations, members and volunteers may often be added as additional insureds.

THIS IS ONLY A SIMPLIFIED SUMMARY. THE POLICY IS THE CONTRACT.

---