Liability coverage typically found under section II of the homeowners policy.
It provides coverage for personal liability exposures such as premises, personal
activities, pet exposures, some contracts, and certain incidental coverages.
Business-related losses and auto-related losses are normally excluded. This
protection includes two main areas of coverage. The first pertains to liability
to other parties for bodily injury (BI) and property damage (PD). (Personal injury
such as libel and slander are not covered.) The second pertains to medical payments
expense to others, which is payable regardless of legal liability. Comparable
comprehensive personal liability coverage can be added via a personal liability
supplement to a dwelling fire policy. Stand-alone personal liability policies
are nearly obsolete. See also Homeowners policy.
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