General Liability Exclusions
Your commercial general liability insurance policy will list specific events and incidents that it will not cover. These exclusions are generally based on the level of risk involved, and as high risk incidents they require different or additional coverage levels. Examples include:
- Pollution If your company is found liable for property damages or bodily injuries that were caused by pollution. Pollution may be caused by your employees, your products, or your company’s operations and activities.
- Nuclear Material General liability normally excludes coverage for injuries or damages caused by using nuclear materials.
- War Bodily injuries and property damages that result from war are generally excluded.
- Professional Liability Errors and Omissions by licensed professionals such as physicians or accountants.
- Data Liability If data is misused, distributed or destroyed, general liability normally does not protect your company from these events.
- Terrorism, Fungus or Asbestos Property damages and bodily injury caused by these items is normally excluded from commercial general liability insurance policies.
- Punitive Damages
- Intentional injuries or property damage
- Commercial automobile injuries and damage
- Injuries to employees
- Damages to employee property
- Damage to property you own