It covers liability arising out of the insured business as well as new hazards arising during the policy term, whether they are reported to the insurance company or not.
There are 3 coverage sections under the Commercial General Liability policy:
Coverage A – Bodily Injury and Property damage Liability coverage provides protection against losses from the legal liability of insured’s for bodily injury or property damage to others arising out of non-professional negligent acts or for liability arising out of their premises or business operations. Mental injuries and emotional distress can be considered bodily injuries, even in the absence of physical bodily harm.
Coverage B – Personal and Advertising Injury Liability coverage covers liability other than bodily injury liability arising out of personal injury such as false arrest, malicious prosecution, wrongful entry or eviction, libel, slander and invasion of privacy.
Coverage C – Medical Payments coverage pays medical expenses regardless of legal liability up to the insured business Medical Payments coverage limits. It covers medical expenses incurred by anyone other than the insured, employees, tenants or persons injured as a result of product or completed operations liability or as a result of on athletic contest.
