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COC2
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a. Expected or Intended Injury
exclusion does not apply to BI resulting from using reasonable force to protect person or property
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b. Contractual Liability
only apply if liability would have not existed in the absence of a contract
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c. Liquor Liability
applies to companies in the business of liquor and excludes coverage for furnishing liquor to minors
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d. e. Workers Comp Exclusions
prevent CGL from duplicating WC coverage
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f. Pollution
- eliminates coverage for pollution liability claims related to the insurer's premise and operations
- exceptions: BI or PD from hostile fire, escape of fuel or operating fluids
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g. Aircraft, Auto, Watecraft
- exceptions:
- watercraft while ashore on insured's premises
- non-owned, < 26ft not used to carry people or property
- parking an auto that is not owned, rented or loaned to an insured (covers valet parking service)
- liability assumed under an insured contract to the ownership, maintenance or use of aircraft or watercraft
- operation of certain types of equipment attached to autos
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h. Mobile Equipment
- transportation of mobile equipment in auto
- use of mobile equipment in prearranged racing, speed, demolition or stunting activity
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Exclusions i. to n.
- i. War
- j. Damage to Property (use commercial property policy), except rented for 7 days or less; excludes only "that part you're working on", not the whole property
- k. to l. Insured's Product or Work
- m. Damage to Impaired Property or Property Not Physically Injured
- n. Recall of Products
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Other Exclusions
- Personal and Advertising Injury (avoid duplication from coverage B)
- Electronic Data (not tangible property)
- Distribution of Material in Violation of Statutes
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Fire Legal Liability Coverage
Exclusions c. through n. do not apply to damage by fire for premises while rented or temporarily occupied with permission of the owner
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