COMMERCIAL GENERAL LIABILITY POLICY
- 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.
Any occurrence not excluded is covered. Some exclusions
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
THIS IS ONLY A SIMPLIFIED SUMMARY. THE POLICY IS THE CONTRACT.