General Liability

COVERAGE HIGHLIGHTS

• Automatic additional insured status for many common situations, such as lessors, managers, grantors offranchises and contractors, when required by written contract
• Automatic additional insured status for vendors
• Primary and non-contributory provision for additional insureds when required by a written contract
• Broadened Named Insured coverage extends coverage to existing and newly acquired or formed subsidiaries over which your client maintains majority ownership or majority interest
• Automatic waiver of rights of subrogatio when required by a written contract
• The standard limit for medical payments (except MultiCover form CG7193) is doubled from $10,000 to
  $20,000 per person
• Personal and Advertising Injury coverage includes contractually assumed liability
• Exception to the Expected or IntendedInjury exclusion is broadened to alsoapply to property damage, not just to bodily injury
• Coverage will not be denied for Unintentional Failure to Disclose Hazards before the policy effective date

Additional Coverages

• Mental anguish when arising out of physical bodily injury
• Non-owned or chartered watercraft up to 51 feet
• Chartered aircraft
• Fellow employee bodily injury
• Damage to invitees’ automobiles from falling trees or tree limbs
• Cost of bail bonds
• Claim and lawsuit defense and investigation expense

Additional Benefits

• More favorable reporting duties in the event of a claim or suit
• Broadened coverage territory
• 90 day notice of cancellation