Coverage Summary:
This is typically the "core" coverage for a nonprofit. NIAC provides this on an "occurrence" policy, not a "claims-made" policy. Depending on the extent of the general liability coverage purchased, commercial general liability insurance may provide coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury or advertising injury to a third party.
- Occurrence form
- Defense costs in addition to the limit
- Written on ISO CG 00 01 form
- Limits of $1,000,000 per occurrence and $3,000,000 aggregate available
- Blanket Additional Insured. Includes CG 2010 (Owners, Lessees, Contractors, CG 2011 (landlords), CG 2012 (permits), CG 2018 (mortgagee), CG 2020 (charitable institutions), CG 2021 (volunteers), CG 2026 (funders) and CG 2034 (lessor of leased equipment).
- Special events coverage is available
- $500,000 limit for Damage to Premises Rented to You (aka Fire Legal) provided. Limits up to $1,000,000 are available and may be purchased upon request.
- Medical Payments included at a $20,000 limit
- Workplace Violence Counseling, $50,000 limit
