Comprehensive Personal Liability — 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 (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 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.