Basics Glossary Litigation Management Case Law    
Introduction to Liability
The guidance provided here is solely for the purpose of facilitating communication with your defense or coverage attorney. Consultation with counsel is necessary prior to any final decisions.
ADVERTISING   A covered advertising injury must be directly connected with advertising activities.  The offense must result in economic damage to another party. These claims fall under Coverage B of a commercial general liability form. We offer an interactive program that provides an initial coverage guidance. We also offer guidelines for investigation and case evaluation.

CONSTRUCTION  Construction claims arise primarily out of completed operations of contractors and product liability of manufacturers.  Housing is itself a product in most jurisdictions.  Construction claims fall under Coverage A of a commercial general liability form.

PERSONAL INJURY  Personal injury arises not out of negligence, but an offense.  Information on the variety of offenses and the damages recoverable is found in the personal injury section.  Personal injury claims fall under Coverage B of a commercial general liability policy. We offer an online program that provides an instant coverage analysis. We also offer guidelines for investigation and case evaluation.

PREMISES  Insurable liability might arise out of the ownership or control of a premises or from operations conducted elsewhere.  Information on both premises claims and claims arising from ongoing operations are included in the premises resource. Bodily injury or property damage claims may arise from insured premises or operations of the insured away from the premises.  Coverage may be under the Personal Liability section of a homeowners form or Coverage A of a commercial policy.

PRODUCTS  Information on both products and completed operations clims are included under products. Construction claims under a separate category.  Coverage for products liability is under Coverage A but only if Products and Completed Operations coverage is indicated as included in the Declarations.

PROFESSIONAL  Professional liability claims arise from a contracted service, rather than a product or operation. If the insured's business is providing a professional service coverage would be under a professional liability policy.  Directors and Officers liability is also included in this resource area.

TRANSPORTATION  Ocean and inland transportation, as well as aviation claims, are included in the transport area.

 
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