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 (PI) losses, 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 CPL coverage can be added via a personal liability supplement to a dwelling fire policy. Stand-alone personal liability policies are nearly obsolete.