General Liability
This insurance pays the sums that the Insured becomes legally obligated to pay, or that the insurance company has agreed to pay, for damages to others as a result of the Insured’s negligence. This policy may cover bodily injury to another individual or damage to property belonging to others.
A very common example of this coverage is the person who falls down the steps at church and incurs medical bills. This policy also provides protection for the policyholder when someone alleges negligence.
Automobile Insurance - Refer to Transporation Insurance.
Workers' Compensation - United States
State workers' compensation laws require, with few exceptions, that employers take responsibility for on-the-job injuries. Each state defines benefit level for employers in their state. The insurance pays all compensation and all benefits required under the workers' compensation act of the state(s) listed in the policy. Benefits included loss of income, medical, rehabilitation, disability, death, and survivor benefits.
Workers' Compensation - International - Refer to International Insurance.
Aircraft - Refer to Transporation Insurance.
Airport - Refer to Transporation Insurance.
Employers' Liability
Coverage is provided for damages that an employer becomes legally obligated to pay (apart from workers’ compensation statutes) because of bodily injury by accident or disease to an employee.
Employment Practices Liability
This refers to an insurance policy that provides protection for certain claims arising out of the employment arena to include coverage for volunteers. Particular coverages include sexual harassment, wrongful termination, defamation, and intentional infliction of emotional distress. Additionally, the policy offered by the church includes coverage for sexual molestation.
Excess Liability
An excess liability policy provides limits of insurance in excess of the primary policy. A primary policy is the first policy to respond in the event of a claim.
Excess Liability - Coverage is provided for Automobile Liability, Employers' Liability, Garage Liability, General Liability, International Hospital Professional Liability, and Physicians' and Surgeons' Malpractice Liability.
Aviation Excess - Coverage is provided for aircraft (owned & non-owned) and airport liability. Employment Practices Excess - Coverage is provided for employment practicces liability.
