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owners, landlords, and tenants (OL&T) liability policy

A now obsolete liability insurance coverage form designed for businesses whose liability loss exposure (other than automobile and workers compensation) derives principally from the business premises. Manufacturers and contractors, whose principal liability loss exposure derives from the business operations, products, or completed operations, commonly purchased a manufacturers and contractors (M&C) liability policy. Now both types of businesses are customarily insured under a commercial general liability (CGL) policy.

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