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Three major coverages

CGL

Coverages

Exclusions

Coverage A-

 

Bodily Injury and Property Damage Liability

Coverage A is specifically intended to pay compensation for bodily injury and property damage if the insured is found legally liable for as a result of the business activities of the insured. This means that if the insured's business operations cause bodily injury or property damage to a third party, coverage A will cover the damages awarded in a lawsuit up to the policy limits, as well as the contingent legal defense costs.

Intentional injury liability;

Contractual liability;

Liquor liability;

Work-related injury liability;

Pollution liability;

Aircraft, auto, watercraft liability;

Mobile equipment liability;

Transportation liability;

War liability;

Product liability;

Personal and advertising liability.

 

Coverage B-

 

Personal and AdvertisingInjury Liability

Coverage B provides protection against personal and advertising injury, such as libel, slander, malicious prosecution, and unlawful imprisonment, copyright and other intellectual property infringement if the insured is found to be at fault

Intentional violation of the right of others;

Publication of libelous material resulting in defamation of character, which the insured knew was false;

Breach of contract;

Any materials published prior to the policy coming into effect;

Wrong description of services or goods;

Copyright, patent, intellectual rights infringement;

Liability for offenses in the areas of broadcasting, advertising, publishing, website content production, etc.

Identity theft

Coverage C-

 

Medical Payments toOthers

 

Coverage C is intended to cover the medical expenses of people who have suffered bodily injuries as a result of the business operations of the insured or on the commercial premises of the insured, regardless of legal liability or fault. The insured does not need to be taken to court for Coverage C to come into effect. The only requirement is that the medical bills are incurred within a year of the occurrence.

Injuries to the named insured, a tenant or an employee of the insured;

Any injury that might be covered under a Workers Compensation policy;

Any injury that might occur while a person is doing any other type of sport;

Any injury that might be covered under Coverage A;

Injury caused by war.

 

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