Liability insurance is typically included as a portion of a larger policy, such as Homeowners, Businessowners, and Commercial General Liability. Depending on the particular policy and needs of the policyholder, liability insurance can cover bodily injury, property damage, and personal and advertising injury.
Personal and advertising injury covers injuries that affect the psyche or the mind, rather than bodily harm or damage to property. These include slander, libel, copyright infringement, invasion of privacy, false arrest, wrongful entry onto another’s premises, and malicious prosecution.
Commercial General Liability (CGL) coverage may also cover Products Liability, or injury caused by either the products a company sells or the work they have performed. CGL can also cover indirect harm caused by its employees, agents, contractors, and subcontractors. This is sometimes called Owners and Contractors Protective.
If you made a claim under your insurance for a covered liability and it was denied, Defever Law can help. Oftentimes your insurer will deny coverage and claim that the injury did not occur during the specified coverage period. This can be a complex issue, as some policies are classified as “claims made” and others as “occurrence,” and courts of law take different approaches to these coverages depending upon the jurisdiction. If you need assistance with a liability claim, contact the experts at Defever Law for advice.