The Commercial General Liability policy provides protection needed to pay damages for Bodily Injury or Property damages for which the insured is legally responsible.
The policy provides coverage for Liability arriving from Personal Injury, Advertising Injury, Medical Payments, Accidents Occurring on the premise or away from the Premises. Injury or Damages arising out of goods or products made or sold by the name insured. General Liability covers the Name Insured and the Employees of the Name Insured.
There are two Commercial Liability coverage forms available, Occurrence Form and Claims Made Form. The Occurrence Form covers Bodily Injury or Property Damage claims that occur during the policy term, regardless of when the claim is reported. The Claims Made policy form only covers claims made against the insured during the policy term. A claim made after the policy expires is not covered, unless the claim is covered by an Extended Reporting Endorsement, which must be purchased by the Named