Legal Liability Coverage Form—Archived Article

October 2006

Fire, Other Legal Liability for Commercial Risks

Summary: Under common law, anyone who negligently damages property of another is obliged to make restitution to the owner. General liability forms commonly exclude coverage for damage to personal property while it is in the care, custody, or control of the insured. Fire legal liability insurance is designed to provide coverage for both real and personal property in the insured’s care, custody, or control. Situations that give rise to the need for this type of insurance are discussed in Fire Legal Liability Insurance.

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