General Liability Exclusions
Protects the contractor from claims for bodily injury or property damage sustained
by third parties as a result of ongoing operations. For example, this
would cover a claim made by someone who tripped and fell while walking
through your job site.
Completed Operations Liability
Insures against claims for bodily injury and property damage arising from
some defect in a completed project. For example, this would cover claims
brought by individuals injured in a fire that was caused by your improper
installation of an electrical panel at a hotel.
and Advertising Injury Liability
Protects against liability arising from specified types of offenses that
do not cause bodily injury or property damage. The most important aspect
of this coverage is insurance against liability arising from false arrest,
detention or imprisonment. This coverage also protects against liability
arising from libel and slander.
Protects an insured contractor from claims for injuries or damage caused by the operations
of its subcontractors. It would, in the fire example above, protect the
contractor in the event the electrical panel was installed by a subcontractor. Of
course, the subcontractor should also have insurance for this exposure,
and the contractor should have access to the subcontractor's insurance by way of
the hold harmless clause in the subcontract agreement. However, the independent
contractors coverage in the contractor's commercial general liability policy will
protect the contractor in the event the subcontractor's insurance has lapsed or its
limits are inadequate.
Covers the liability of others that the contractor assumes through a hold harmless
provision in a contract. For example, assume that a general contractor agrees to hold harmless
the project owner, a member of the public is injured on the job site,
and the injured individual brings suit against the owner as well as the
liability coverage would cause the contractor's commercial general liability policy
to cover the project owner for any liability the project owner has to
the injured party.
Pays the medical expenses incurred by third parties injured on the
or job sites regardless of whether or not the contractor would be legally liable
Places an aggregate limitation on what the policy will pay for all medical
expenses, personal/advertising injury, bodily injury and property damage
claims within the policy period. Products completed operations claims
are not subject to the general aggregate limit since there is a separate
products completed operations aggregate limit.
Places the limitation on the amount of insurance available to pay bodily
injury, property damage and medical expense claims arising out of any
occurrence subject to the general aggregate limit.
Places a limitation on the amount of insurance available to pay for property
damage to premises rented to the insured arising out of any fire, subject to the
each occurrence limit as well as the general aggregate limit.