Insurance that pays and renders service on behalf of the insured for loss arising out of his responsibility due to negligence, to others imposed by law or assumed by contract.

Available on an Occurrence Form (provides liability coverage only for injury or loss that occurs during the policy period, regardless of when the claim is reported), Claims Made Form (provides coverage only if a written claim is made during the policy period).

Sunset Clause (provision limiting the number of years a claim can be reported).

Components: Aggregate Limit: Commercial General Liability limit that applies to all damages paid for bodily injury, property damage, personal injury, advertising injury and medical expenses, except damages included in the products-completed operations hazard. Maximum limit that a policy will pay out for a policy period or for a claim or claims.

Per Occurrence Limit: Limit the policy will pay out per occurrence of a claim.

Products-Completed Operations: Covers the products or workmanship after the project/work is completed.

Personal and Advertising Injury: Limit the policy will pay for a claim arising from personal or advertising injury. Covers claims for damages which are other than physical such as libel, slander, false arrest, etc.

Damage to Rented Premises: Covers damage to office space or rented premises.

 Medical Payments: Covers 3rd party medical payments caused by the negligence of the insured.