Provides coverage for sums you are legally obligated to pay because of Bodily Injury or Property Damage caused by an occurrence arising out of the ownership, maintenance or use of your premises or operations. Most policies provide coverage for:

Premises/Operations Provides coverage for damages arising out of ownership or occupancy of the premises as well as damages arising out of operations performed by you.
Products/Completed Operations Provides coverage for damages arising out of products manufactured, sold, handled or distributed by you.
Medical Expense Pays medical expenses resulting from bodily injury caused by an accident on premises owned or rented by you, or when caused by your operations.
Damage to Rented Premises Pays for damage caused by your negligence to rented premises.
Personal Injury Pays for injury resulting from offenses such as false arrest, malicious prosecution, wrongful detention, imprisonment, entry, or eviction and other acts of invasion, or rights of private occupancy. Coverage for libel and slander is also provided in the policy.
Advertising Injury Pays for damages caused in the course of oral or written advertisement that disparages, libels or slanders a person’s or organization’s goods, products or services.
Errors & Omissions If you provide a professional service, claims may arise due to your failure to render those services properly, resulting in a suit against you or your company. Provides protection in the event you are held liable for damages due to errors or omissions of those provided services.
Directors & Officers Liability Pays on behalf of a Director or Officer for loss arising from claims during the policy period by reason of wrongful acts made while acting in their individual or collective capacities as Directors or Officers. Coverage is written on a “claims made” basis. Prior acts are covered if the claim arising from the act(s) is made during the policy period, subject to a retroactive date.
Umbrella Provides additional liability coverage which is excess of other underlying liability insurance carried by you. It also covers all, but a few specifically excluded liability exposures, and can be subject to a self-insured retention on claims to which no underlying insurance applies.
Employment Practices Provides coverage for damages for which the insured is deemed to be legally liable as a result of a wrongful employment practice which results in the violation of any state, federal or civil rights or anti-discrimination laws.
Pollution Provides protection for corrective action, including cleanup and compensation to third parties for bodily injury or property damage that may result from an accidental release of pollutants that originated from a scheduled storage tank.