This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It includes protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses.

Adverse Condemnation Coverage
This coverage will provide protection against loss arising from alleged taking or damaging of private property without compensation to the owner. For example, if a city were to build a new road which deprived an owner of a retail business access to customers, this policy would respond. Back to top

Advertising Injury Liability
This coverage is used to insure against claims of libel, slander, product disparagement, piracy, infringement of copyrights, etc., that arise out of the advertising of your goods, products or services. Back to top

Aerial Application Liability
This endorsement is used to extend the Aircraft Liability policy to include coverage for claims resulting from aerial application. Back to top

Aerial Applicators E & O
This policy will provide coverage for claims arising out of improper spraying which results in damage to crop yield. This is important since the basic Liability policy eliminates coverage for this exposure by its impaired property exclusion. Back to top

Agents E & O
This coverage is used to insure against loss resulting from your acts or omissions that arise out of the performance of professional services while acting in the capacity of an insurance agent. Back to top

Airport Liability
This policy will provide liability protection for the operations conducted by an airport. It includes five major sections: airport operations, structural alterations, contractual liability, products liability and hangarkeepers legal liability. Back to top

Animal Liability Coverage
This coverage will protect against loss to animals you own or that are in your care, custody or control for the purposes of boarding, feeding, grooming or breeding. Back to top

Animal Professional Liability
This coverage is used to insure against claims arising out of your rendering or failing to render adequate professional animal care services. Examples of such claims might include improper animal grooming or training, misrepresentation of breed or pedigree or allegations of animal mistreatment. Back to top

Appraisers E & O
This coverage is used to insure against claims arising out of alleged damage caused by your negligent acts, errors or omissions while performing the professional services of an appraiser. Back to top

Auctioneers E & O
This policy is used to insure against claims arising out of alleged damage caused by your negligent acts, errors, or omissions while performing the professional services of an auctioneer. Back to top

Audit Premium
The proposed premium is based on the following estimates of annual exposures. They are subject to audit after expiration of the policy. Back to top

Automatic Fill Coverage
This coverage is used to extend your Liability policy to cover claims involving bodily injury or property damage arising from your failure to adequately supply gas, oil, water or steam. Back to top

Beauty and Barber Shop Liability
This Liability coverage will protect you against several exposures inherent in your type of operation. Coverage includes protection against claims arising out of your premises, products/completed operations, and malpractice exposures. Back to top

Blood Bank Professional Liability
This Professional Liability insurance provides protection for alleged malpractice, error or omission, while performing the services of a blood bank. These include taking, handling or distributing blood products. This coverage is necessary since the General Liability policy does not provide protection for these kinds of exposures.Back to top

Broad Form CGL Endorsement
This endorsement is used to modify the General Liability policy to include several liability coverages not provided under the standard form. These include Fire Legal Liability, Contractual Liability, Personal Injury, Host Liquor Liability, Incidental Malpractice, Nonowned Watercraft, Broad Form Property Damage, Premises Medical, Extended Bodily Injury, Limited Worldwide Products and Automatic Coverage For Newly Acquired Businesses. Back to top

Broad Form Property Damage
This coverage is used to modify the General Liability policy's "care, custody or control" and "workmanship" exclusions so that these provisions will only apply to that particular part of the work that causes damage (premises-operations) or damage to completed work that results from your own work or operations (completed operations). Back to top

Broadcasters E & O
This coverage is written to insure against claims arising out of alleged infringement of copyright, plagiarism, unfair competition, or reproduction. This coverage is necessary because the standard Liability policy excludes protection for any claims arising from an offense committed by an insured whose business is publishing, broadcasting or telecasting. Back to top

Burial Lot Liability
This coverage is used to protect against claims arising from alleged negligent acts, errors or omissions committed by you in connection with the sale or transfer of cemetery lots. Back to top

Caterers E & O
This coverage will insure against claims arising out of the rendering or failing to render adequate catering services. For example, failure to provide a promised service might result in a claim of mental anguish or public humiliation suffered by a customer. Back to top

Cemetery Professional Liability
This coverage is written to protect you against claims arising out of your acts, errors or omissions in rendering the professional services of a cemetery operator. Back to top

Civil Rights Coverage
This endorsement is used to modify the Law Enforcement policy to include coverage for alleged civil rights violations. Back to top

Claims-Made Form (CG0002, 2201)
This coverage will provide protection for only those claims reported or first made during the policy period or during any previous period that is stated in the Prior Acts or Retroactive Date option of your policy. This option allows you to keep coverage in force under consecutive Claims-Made policies. Back to top

Clergy Professional Liability
This coverage is used to protect clergy, or other individuals providing counseling services, against claims alleging emotional or physical suffering as a result of rendering or failing to render proper professional services. Back to top

Contractors/Fabricators E & O
This coverage is used to pay for costs that result from your legal obligations to make good faulty work, materials, products or design caused by a negligent act, error or omission you make while performing the services of your profession. This includes lawsuit defense costs and damage for the loss of use of property. Back to top

Contractual Liability
This coverage is used to insure against bodily injury and property damage claims arising out of the liability of others that you assume in an "insured contract" as defined in the policy. Back to top

Corporal Punishment (CG2267)
This endorsement is used to extend the Liability policy to include coverage for claims arising from (1) the use of reasonable force to protect persons or property, or (2) corporal punishment administered to any student or pupil by or at the direction of any insured. Back to top

Cost of Well Control Coverage
This coverage will provide reimbursement for expenses incurred to regain control of gas or oil wells that get out of control during drilling, servicing or repair operations. Back to top

Credit Bureau E & O
This coverage is used to protect against claims arising from acts, errors or omissions in conducting the professional services of a credit bureau. For example, this coverage would respond to claims involving the assigning of undeserved low credit ratings to individuals because of clerical error or faulty information. Back to top

Custom Farming Liability (FL0469)
This coverage is used to protect against claims arising out of your custom farming operations. These activities can be defined as "operations performed by you for others for a charge under a contract or agreement". Back to top

Dealers Legal Defense Coverage
This coverage is used to insure against claims brought against you during the policy period for damages arising out of the sale, service or repair of your products other than as a direct result of an accident. This coverage differs from standard products coverage since resulting damage caused by defective work or product need not occur. Back to top

Designated Products/Designated Work Exclusion End. Added
This endorsement is used by your insurance carrier to exclude coverage for a specific product or work incident without excluding coverage for all products or completed operations. Back to top

Directors & Officers Liability
This insurance is used to insure against claims for negligent acts, errors or omissions alleged to have been committed by present or former directors or officers of your corporation. Back to top

Disaster Relief Coverage (CG0423)
This endorsement is used to modify the General Liability policy so that it will apply to several normally uninsured exposures while you are performing voluntary disaster relief operations in accordance with Phase One of the Disaster Relief Program of the AGCA.Back to top

Dividend
Annual insurance costs may be reduced for certain qualified coverage lines by a "dividend". The amount of such a return will be based on the earned premium and incurred losses you experience during the policy year. Your insurance company is offering this potential premium reduction to you in recognition of your excellent record of loss control. Please note, dividends are not guaranteed and are payable out of surplus at the discretion of the insurance company. Back to top

Druggist Liability
This coverage is used to provide professional as well as product liability protection for preparing, selling, handling, or distributing drugs by you. It can be broadened to include employed pharmacists for their liability exposure as well. This form also picks up coverage for equipment rented to others. Back to top

Educators Legal Liability
This insurance is used to provide professional liability coverage for educational entities including their trustees, board members, administrators, employees, teachers or other defined individuals. Back to top

Efficacy Insurance
This insurance is used to protect a contractor against claims arising from the late completion of a project, or failure of the project from performing up to intended levels of output or functions. Back to top

Electronic Data Processing E & O
This coverage is used to insure against claims arising out of alleged negligent acts, errors, or omissions while performing professional data processing services for others. Back to top

Electronics Errors and Omissions
This coverage addresses the risk of manufactured products failing to perform the function they were intended to do. This differs from standard General Liability coverage where only resulting physical injury to, or loss of use of, tangible property is covered. Claims such as computer systems being sold that prove to be inadequate, programming bugs that result in the erasure of a client's intangible software media, or a defective component that results in a reduction of a client's production capacity are all examples of claims that would be covered under this type of policy. Back to top

Employee Benefits E & O
This coverage is used to insure against negligent acts, errors or omissions committed by you or any person for whose acts you are legally responsible for while engaging in the management of your company's employee benefit plans. Back to top

Employment Practices Coverage
This coverage is used to provide protection against lawsuits by employees alleging wrongful discharge, discrimination, harassment or other specified employment related exposures. Back to top

EMT Professional Liability
This coverage is used to insure against personal injury or property damage claims arising out of the rendering, or failing to render, medical, surgical, dental or other treatment, or furnishing and dispensing of drug supplies or appliances while you are acting within the scope of your responsibilities. Back to top

Erroneous Delivery (CG2266)
This coverage is used to extend your General Liability policy to protect against claims resulting from: (1) the misdelivery of any product into a wrong receptacle, or to a wrong address; or (2) the erroneous delivery of one liquid product for another by a covered auto. Back to top

Extended Auto Coverage - E & O
This endorsement is used to extend your Professional Liability coverage to include protection for operations involving automobiles. Back to top

Extended Bodily Injury
This provision is used to extend your liability coverage to insure against bodily injury claims arising out of the use of reasonable force while protecting persons or property. Back to top

Farm CGL Used
This endorsement is used to extend the farm liability coverage to include protection for certain commercially related exposures not insured by the standard Farm policy. These can include the supplying of commodities for manufacturing or processing, participation in shows or other social events, racing of animals, or premises used for business purposes other than those allowed for in the incidental occupancy clause. Back to top

Farm Employers Liability (FL0465)
This endorsement is used to extend the Farm/Ranch policy to include workers who do not come under the workers compensation jurisdiction
of your state. Back to top

Farm Liability Coverage (FL0020)
This coverage provides bodily injury and property damage (Coverage H), personal injury and advertising injury (Coverage I)) and medical payments (Coverage J) for claims arising from your farming operations and personal activities on an occurrence basis. Back to top

Farm Pollution Liability (FL0403)
This endorsement is used to provide coverage for liability claims resulting from chemical drift, which causes injury to crops or animals, or for pollution incidents involving smoke, chemicals, liquids or gas usual to your agricultural operations. Back to top

Fiduciary Liability
This coverage is used to insure you against claims alleging breech of fiduciary obligations as outlined under the Employment Retirement
Income Security Act of 1974. Back to top

Film/TV Producers E & O
This coverage is used to insure against claims arising out of alleged infringement of copyright, plagiarism, unfair competition, illegal reproduction or similar exposures found in the film and television industries. Back to top

Fire Damage Limit Adequate
This coverage is used to insure against your legal liability that arises out of fire damage to structures rented to you or temporarily occupied by you with permission of the owner. Back to top

Firemens E & O
This coverage is used to insure against claims arising from alleged negligent acts, errors or omissions while performing the professional services of a fireman. This policy does not cover rendering, or failing to render, medical or paramedical services. Back to top

Florists E & O
This coverage is used to insure against claims alleging your failure to perform proper professional services. This failure may result from allegations of mental anguish or public humiliation suffered by a customer in connection with these services. Back to top

Full Retroactive Coverage
As part of your risk management program, we have reviewed your Claims-Made policy to determine that the retroactive date listed allows no gaps in coverage between the prior Claims-Made policy's expiration date and the current policy's inception date. Back to top

Funeral Directors Professional
This coverage is used to insure against claims arising from alleged negligent acts, errors, omissions or malpractice while you or your employees are serving in the profession of a mortician. Loss to personal property belonging to others in your care, custody or control, including corpses and burial articles, are also covered. Back to top

Graphic Arts Legal Liability
This coverage is used to provide protection against your legal liability as a bailee for loss or damage to property of others consisting of art work, plates, stocks, molds or other property usual to the graphic arts industry. Back to top

Hangarkeepers Legal Liability
This policy is used to cover aircraft owned by others, while in your care, custody or control for storage, repair or safekeeping and while in or on the described premises. Back to top

Hardware Consultants E & O
This coverage is used to insure against claims alleging improper professional services such as design consultant work. Normally, these exposures are excluded from most standard Liability policies. Back to top

Host Liquor Liability
This coverage is used to insure against claims arising from the serving of liquor at meetings or functions as long as you do not sell, manufacture or distribute alcoholic beverages as a business. Back to top

Incidental Medical Malpractice
This coverage is used to protect against claims arising out of you or your employees rendering or failing to render proper incidental medical assistance (first aid). Back to top

Innkeepers Legal Liability
This coverage is used to provide protection from loss or damage to guests' property for which liability is imposed upon you by law. Back to top

Interior Designers E & O
This coverage will protect against claims arising from alleged negligent acts, errors or omissions you may commit while acting in the professional capacity of an interior designer. These types of claims are excluded from coverage by the General Liability policy. Back to top

Landscapers E & O
This coverage is used to insure against negligent acts, errors or omissions committed by you or your employees while performing the
professional services of a landscaping or lawn care contractor. Back to top

Liability Limits Explained
The PER OCCURRENCE limit is the maximum amount available for claims arising out of any one occurrence. The GENERAL AGGREGATE limit is the maximum payable amount for all claims during the policy year arising out of occurrences, except products and completed operations
claims. The PRODUCTS AGGREGATE limit is the maximum amount available for products and completed operations claims. Back to top

Limits Adequate to Incl Med Pay
As part of your risk management program, a careful review of your aggregate limits of liability should be done to determine if they are adequate. This is important since your policy deducts the cost of medical payments from this aggregate when loss occurs. These payments can be as great as those associated with liability claims, which can substantially reduce the limits available for liability payments. Back to top

Liquor Liability (CG0033, 0034)
This coverage protects organizations whose business involves the manufacturing, distributing, selling or serving of liquor. This is needed because standard General Liability policies exclude coverage for such activities. Back to top

Loggers Broad Form Property Damage
This coverage will insure against property damage claims arising out of your logging operations on land owned by others, or hauling for others, and the expenses of fire fighting incurred by others for which you are legally liable in connection with these operations. Back to top

Manufacturers and Contractors
This coverage is used to provide protection from claims arising out of the ownership, maintenance or use of premises, and the operations you conduct that are in progress. Back to top

Mechanical Breakdown Coverage
This insurance is used to cover the costs to repair or replace listed parts, for a stated period of time, due to mechanical breakdown or failure. It is written as excess coverage over the manufacturer's new product warranty. Back to top

Medical Lab Professional Liability
This policy is designed to cover claims arising from injury due to malpractice, error, or omission in the analysis, or diagnosis, of medical and pathological services. Back to top

Medical Payments
This coverage will reimburse, without regard to your liability, all reasonable medical expenses incurred by persons as a result of bodily injury sustained by accident as defined in your policy. Back to top

Midi-Tail
The addition of this provision extends the reporting period on a Claims-Made policy to a period of five years. It applies only to known and reported circumstances. Back to top

Mini-Tail
The addition of this provision extends the reporting period for a Claims-Made policy to a period of 60 days. Back to top

Mobile Equipment Coverage
Your General Liability policy possesses several potential coverage gaps with regard to the use of mobile equipment. As part of your risk management program we have reviewed your policy to determine if any of these exposures exist. Back to top

Monument Dealers E & O
This coverage is used to insure against claims arising from your acts, errors or omissions in the sales, preparation or installation of monuments. It is necessary since the Liability policy may not cover claims resulting from these highly emotional operations. Back to top

Mutual Law Enforcement Coverage
This endorsement is used to extend the Law Enforcement Liability policy to include coverage for agreements made between you and other
municipalities for law enforcement assistance. Back to top

Non-Owned Automobile Coverage
This coverage provides liability protection for autos used in your business that are not owned, leased, hired, rented or borrowed. This includes employee's and subcontractor's autos used on your behalf. Back to top

Non-Owned Watercraft Coverage
This coverage is used to insure against liability claims arising out of the use of nonowned watercraft under 26 feet in length and not being used to carry persons or property for a charge. Back to top

Occurrence Form (CG0001)
This form provides coverage for claims arising out of an accident which results in bodily injury or property damage neither expected nor intended. The form covers such claims that occur during the policy period irrespective of when the claim is made against you. Back to top

Off-Duty Coverage
This endorsement is used to extend your Law Enforcement Liability policy to include coverage for claims arising from off-duty activities. This is important since police officers frequently moonlight and have significant personal liability exposures. Back to top

Operators Extra Expense Policy
This policy is used to provide coverage for several exposures including: (1) reimbursement of expenses incurred to harness a well that goes out of control, (2) bodily injury and property damage liability coverage for losses resulting from pollution, seepage, or contamination, and (3) overage for cleanup and containment expenses after a well is brought under control. Back to top

Owners & Contractors Protective
This coverage is used to insure against your legal liability that results from the negligent acts of independent contractors you engage, and for your own negligence in the supervision of such work. Back to top

Owners, Landlords and Tenants
This coverage is used to insure against claims arising out of the ownership, maintenance or use of a covered location, and for operations which are necessary or incidental to such premises. Back to top

Patent Infringement Liability
This coverage is used to protect you against claims alleging patent/copyright infringement. It will pay for any resulting judgements against you including court costs. Back to top

Personal Injury Liability
This coverage is used to extend your General Liability policy to include protection against claims alleging false arrest, libel, slander, malicious prosecution, wrongful entry or wrongful eviction. Back to top

Pest Controllers E & O
This coverage is used to protect against claims resulting from acts, errors or omissions while performing the professional services of a pest control contractor. For example, if you are sued for alleged inadequate services (even if no actual bodily injury or property damage has occurred), this coverage would respond. Back to top

Police Professional
This policy will cover law enforcement officers against claims resulting from alleged bodily injury or personal injury including false arrest, false imprisonment, libel, slander, defamation of character, and assault and battery in the course of an arrest. Back to top

Pollution Liability (CG0039, 40, 0422, 2415, 2149, 2802, 2149)
The standard General Liability policy eliminates coverage for most costs related to pollution losses. While difficult to obtain, there are a few limited ways in which pollution coverage is written. Cost, availability and your exposure to loss have determined which option is best suited for you. Back to top

Power Plant Performance Coverage
This coverage is designed to protect you against liability for failure to fulfill your contract to supply power. It is activated when your operation fails to deliver designated levels of electric output due to technical or economic problems. Please note that this insurance excludes under-performance caused by reduction of price paid for energy, or your inability or refusal to accept energy. Back to top

Premises/Operations
This coverage is used to insure against claims arising out of your ownership, maintenance or use of premises including any operations that are in progress. Back to top

Printers E & O
This coverage is used to insure against claims arising out of the accidental release of material that contains mistakes, or the release of confidential information that results in damage to others. Back to top

Prior Acts Exclusion
This provision in a Claims-Made policy excludes protection for any claims made during the policy period that arise from an occurrence prior to the inception or retroactive date listed on the policy. Back to top

Prod/Com Ops Limits Adequate
Your policy allows separate limits of liability for premises, products/completed operations and personal injury coverages. It is important that a careful review of your policy limits be made to ensure that no restrictions of coverage or lowering of limits are present. Back to top

Products Extortion Protection
This policy is used to insure against loss incurred from the payment of extortion, recall and/or destruction of contaminated products. Back to top

Products Recall Coverage
This insurance is used to provide coverage for specified costs associated with the recall, withdrawal, disposal, repair, replacement or adjustment of your product or work because of its defect or deficiency. Standard Liability policies normally exclude coverage for claims of this nature. Back to top

Products Warranty Coverage
This coverage is used to provide a warranty to customers that a manufactured or installed product is free of certain defects, and that it will function up to the standards outlined in the warranty. Back to top

Products/Completed Operations
This coverage is used to insure against claims arising out of bodily injury and property damage that results from products you have sold,
manufactured, handled, distributed or disposed of; or for work you have performed, provided the accident occurs away from premises you
own or rent. Back to top

Professional Liability - E & O
This coverage is used to insure against claims arising from negligent acts, errors or omissions in the rendering or failing to render specified professional services or advice. Back to top

Professional Liability - Malpractice
This coverage is used to insure against claims arising out of acts, errors or omissions in rendering or failing to render specified professional services or advice. Back to top

Property Legal Form (CP0040)
This coverage is used to provide legal liability protection for loss to property of others that is in your care, custody or control. Back to top

Protection and Indemnity
This coverage is used to protect against liability claims arising out of the servicing or use of watercraft while insured vessels are afloat. Back to top

Public Officials E & O
This coverage is used to insure public officials against claims arising out of negligent acts, errors or omissions while acting in the capacity of a public official or employee of a public entity. Back to top

Publishers E & O
This coverage is used to insure against claims arising from specified personal injury and advertising exposures including accusations of libel, slander, defamation of character and copyright infringement. It is needed because standard General Liability policies exclude protection for any claims arising from these offenses when committed by an insured who is in the business of publishing, broadcasting or telecasting. Back to top

Railroad Protective (CG0035)
This insurance is used to protect railroads against bodily injury, property damage, and physical damage to property owned or leased by the railroad, that arises out of specified construction or demolition work done by independent contractors. Back to top

Real Estate Agents E & O
This coverage is used to insure against claims alleging negligent acts, errors or omissions in the rendering or failing to render the professional services of a real estate agent or broker. Back to top

Recording Studios E & 0
This coverage is used to insure against claims arising from specified personal injury exposures including alleged copyright infringement, libel, slander, failure to detect recording defects or other claims inherent to recording studios. This is needed because the standard Liability policy excludes coverage for such offenses when committed by an insured who is in the business of publishing. Back to top

Retroactive Date
This date is used to specify, in a Claims-Made policy, the extent of coverage that is available for claims that occur prior to the inception of the policy in effect at the time such claims are made. If a claim is made for damage that occurred before the retroactive date, the policy will not respond, even though all other requirements of the policy have been met. Back to top

Ripping and Tearing Coverage
This insurance is used to cover your expenses involved in the intentional destruction and removal of your product when determined defective after installation, and to cover resultant damage to other items incurred as a result of removing the defective product. Back to top

Sales & Disposal Legal Liability
This coverage is used to provide protection for claims arising from alleged improper sale, removal, or disposal of customer goods. This usually occurs when you, as a warehouse owner or operator, reclaim rental space for which rental or other charges are delinquent or unpaid. Back to top

Seedmens E & O
This coverage is used to insure against claims arising out of germination tests, failure to germinate, mislabeling of seed, misdelivery, or similar claims. Back to top

Self Insured Retention (SIR)
This value represents the amount of damages and/or legal costs that ou must assume (retain) before your insurance protection becomes
payable. Back to top

Statute Law E & O Coverage
This coverage is used to protect you against claims involving your failure to comply with one or more federal, state or local laws. This is needed because standard liability insurance normally excludes coverage for errors and omissions of this kind. Back to top

Supplemental Reporting Period
The addition of this endorsement extends the reporting period under a Claims-Made policy for an unlimited duration. Back to top

Systems Performance Insurance
This insurance is used to provide coverage when a completed project does not perform at expected levels, and causes loss or reduction of use of tangible property other than by direct physical damage. Back to top

Teachers/Instructors E & O
This coverage is used to extend the General Liability policy to include protection against claims arising from your rendering or failing to render professional services as a teacher or instructor. Back to top

Travel Agents Liability Coverage
This policy is used to cover the various liability exposures of travel agents and tour operations. It includes worldwide protection against suits arising from bodily injury, property damage, personal injury and professional liability exposures. Back to top

Underground Resources & Equipment (CG2262)
This endorsement is used to extend your General Liability policy to provide coverage for three exposure areas: (1) damage to underground
equipment of a third party, (2) damage to any underground resource of a third party (e.g., water, oil, etc.), (3) damage to any well, hole or formation of a third party which is used for exploration or production. Please note however, that this extension does not provide coverage for your interest in lost or damaged property. Back to top

Vendors Coverage (CG2015)
This endorsement is used to extend products coverage to include vendors of the insured product. Its purpose is to provide additional protection above standard Products Liability limits, or to afford at least limited coverage where the availability or cost of Products Liability insurance is prohibitive. Back to top

Veterinarians Professional
This coverage is used to insure against claims arising out of the rendering or failing to render professional services to animals, either domestic or commercial. Back to top

Violation of Patients/Residents Rights
This coverage is used to insure against claims arising out of the violation of rights granted to residents and patients by state law or federal regulations. Back to top

Worldwide Products Coverage
This policy is used to provide coverage for products that are made or sold outside of the United States, Puerto Rico or Canada, and for suits arising from these products. Standard General Liability policies do not cover claims for such foreign products, thus requiring the need for this type of insurance. Back to top

XCU Coverages Not Excluded
As part of your risk management program, we have reviewed your liability policy to determine if it has any exclusions for losses caused by explosion, collapse, or underground property damage. This is necessary since many times these exclusions may be added to policies for businesses such as yours. Back to top