Background—Problems—Solutions

Summary: "Fire legal liability" is a way to describe the risk that all persons, businesses, institutions, etc., are exposed to by way of responsibility for damage to property of others in their care, custody, or control. It requires special attention because forms providing property damage liability insurance—for example, the commercial general liability (CGL) form—usually do not apply to the exposure of property damage to personal property in the care, custody, or control of the insured. These pages review the fire legal liability exposure and various solutions that have evolved to protect insureds against it.

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