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General Liability

The Commercial General Liability policy provides insurance protection needed to respond to personal injury, advertising injury and property damages for which an insured is legally responsible. Coverage is provided for injury or damages arising out of goods or products made or sold by the insured and covers accidents occurring on or away from the insured premises.

Two coverage forms are available, the Occurrence form and the Claims-made form. The primary difference in the two forms are in how claims are handled. The Occurrence form covers claims that occur during the policy term, regardless of when the claim is reported. The Claims-made form only covers claims made during the policy term.