The Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury and/or property damage for which the insured is legally responsible. The CGL policy provides coverage for liability arising from personal injury, medical expenses, and advertising liability. Coverage is provided for accidents occurring at your location, or away from your location, for damages arising out of goods or products made or sold by the insured. Also included in this coverage, the policy will provide supplemental payments for attorney fees, court costs and other expenses associated with a claim, or in defense of a liability suit.

The insured is the named insured, and the employees of the named insured. Other individuals and other organizations, other than the named insured, may be covered under this policy, depending on the circumstances advised in the policy.

Terms of the Policy

Each Occurrence - Each occurrence is considered to be an accident, which could include continuous or repeated exposure to the same harmful conditions. An occurrence can be defined as either a sudden event, or the result of a long term series of events.

General Aggregate – This limit is the most money that the insurer will pay under a certain coverage for all claims occurring during the policy term.

Premises/Operations – Coverage is provided for damages arising out of ownership or occupancy of the insureds premises when not maintained in a reasonable manner. This coverage also includes damages arising out of operations performed by the insured’s business.

Products/Completed Operations – Coverage is provided for damages arising out of products manufactured, sold, handled or distributed by the insured. Completed operations covers damages occurring after operations have been completed or abandoned, or after an item is installed or built and released for its intended purpose.

Personal Injury – Coverage provided for injury other than bodily injury. This encompasses injuries resulting from offenses such as false arrest, malicious prosecution, detention or imprisonment, libel, slander; the wrongful entry into, wrongful eviction from and other acts of invasion, or rights of privacy occupancy of a room.

Advertising Injury – This provides coverage for damage done in the course of oral or written advertisement that disparages, libels, or slanders a person’s or organization’s goods, products or services. Coverage for these offenses is provided under advertising injury coverage only if they occur during the course of advertising the named insured’s own goods, products or services.

Fire Damage Limit – Coverage provided for fire damage caused by negligence on the part of the insured to premises rented to the named insured.

Medical Expense Limit – Coverage provided to pay medical expenses resulting from bodily injury caused by an accident on premises owned or rented by the insured. These payments are made without regard to the liability of the named insured.