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Commercial General Liability

Section I - Coverage A:  Bodily Injury and Property Damage Liability

  • covers the monetary amount that the insured becomes legally (not necessarily morally) obligated to pay as damages because of bodily injury or property damage to others
  • covers these above damages that are caused by an "occurrence" that takes place in the "coverage territory"
  • in a claims-made form, the damages must occur after the "Retroactive Date" and before the end of the policy period; 
  • covers "Incidental Medical Malpractice"

NOTE:  the "Retroactive Date" is the date on a claims-made policy which triggers the beginning period of coverage prior to the effective date; it is the earliest date an injury can occur for coverage to apply.

This coverage does not product liability.   Product liability can be added separately.
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