One of our insureds would like to have a party for its employees in the building parking garage. The insured intends to hire a band to provide musical entertainment but the band does not have insurance. Would our insured's CGL form provide any liability coverage for possible bodily injury or property damage caused by the band members?

Ohio Subscriber

The insured's CGL form would provide liability coverage for the insured in case a claim for BI or PD was brought against the insured due to events happening on the insured's property. Whether the insured would be liable for the injury or damage caused by the band is another issue, but the CGL form would be applicable to a claim made against the insured.