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<br />GENERAL LIABILITY COVERAGE DEFINITIONS <br /> <br />FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER <br />TO THE POLICY DOCUMENT <br /> <br />OCCURRENCE FORM (General Liability and Law Enforcement Liability) <br />This form provides coverage for claims arising out of an accident, which results in bodily injury <br />or property damage neither expected nor intended. The form covers such claims that occur <br />during the policy period irrespective of when the claim is made against you. <br /> <br />PREMISES/OPERATIONS COVERAGE <br />This coverage insures you against all claims arising from your ownership, maintenance or use <br />of premises and your operations in progress. <br /> <br />PRODUCTS/COMPLETED OPERATIONS COVERAGE <br />This coverage is used to insure against claims arising out of bodily injury and property damage <br />that results from products you have sold, manufactured, handled, distributed or disposed of, or <br />for work you have performed, provided the accident occurs away from premises you own or <br />rent. <br /> <br />PERSONAL INJURY LIABILITY <br />This coverage will protect you against claims alleging false arrest, libel, slander, malicious <br />prosecution, or wrongful entry or eviction. <br /> <br />ADVERTISING LIABILITY <br />This coverage is used to insure against claims of libel, slander, product disparagement, piracy, <br />or infringement of copyrights, that arise out of the advertising of your goods, products or <br />services. <br /> <br />FIRE LEGAL LIABILITY <br />This coverage insures against your legal liability arising from damage to structures rented to <br />you, for the peril of fire. I <br /> <br />MEDICAL PAYMENTS <br />This coverage will reimburse, without regard to your liability, all reasonable medical expenses <br />incurred by persons as a result of bodily injury sustained by accident as defined in your policy. <br /> <br />CLAIMS-MADE FORM - APPLICABLE TO EMPLOYEE BENEFITS LIABILITY <br />This coverage will provide protection for only those claims reported or first made during the <br />policy period or during any previous period that is stated in the Prior Acts or Retroactive Date <br />option of your policy. This option allows you to keep coverage in force under consecutive <br />Claims-Made policies. <br /> <br />EMPLOYEE BENEFITS ERRORS AND OMISSIONS <br />This coverage is used to insure against negligent acts, errors or omissions committed by you or <br />any person for whose acts you are legally responsible for while engaging in the management of <br />your company's employee benefit plans. <br /> <br />12 <br />Brown & Brown of Florida, Inc. <br />