Personal injury liability on commercial policy

[Ryan Bird]

I saw previous posts recommending personal injury liability. However, I can find them only on personal lines and not on a commercial. Is personal injury liability a part of general liability of commercial policy? My agent suggested adding employment liability endorsements to cover this on commercial. Any suggestions?

[John Mocker]

Ryan,

Most Commercial Liability policies have the following limits included:

Each Occurrence Limit

Personal & Advertising Injury Limit  ** What you are looking form**

General Aggregate Limit

Products-Completed Operations Limit

Damage to Premises Rented to you

Medical Payment Limit


Some Business Owners policies do not have all the limits spelled out.  If that is the case on your policy call your agent and have them point out where the coverage is.