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Contents
This provides coverage for loss or damage due to fire, theft, smoke, windstorm, or water damage etc. It covers contents you are storing on your vacant property.
Commercial General Liability (CGL)
This is designed to cover bodily injury, property damage and personal and advertising injury to others. This coverage protects you in the event that someone injures themselves while on your vacant property.
Tenants' Legal Liability
Should a tenant or a tenant’s employee damage the premises occupied by the tenant; the tenant could be held responsible for such damages. If the building owner ensures the building and the owner’s insurer repairs the damages, the owner’s insurer may subrogate for the damages paid from the tenant. In that case, Tenant’s Legal Liability will cover the insured if he/she is legally liable for such damages as a Tenant.
For example, if the insured left the water running and it flooded the whole unit overnight, the tenant may be held liable for such damage, which would be covered under Tenants’ Legal Liability coverage.
Non-Owned Auto Liability
This covers bodily injury and property damage caused by a vehicle you rent or hire (including rented and borrowed vehicles) or caused by non-owned vehicles (vehicles owned by others including vehicles owned by your employees).
What kind of Endorsements/Warranties are attached to this policy?
These standard liability endorsements are attached to all policies under this product:
- Asbestos Exclusion
- Cannabis Exclusion
- Certificate Holders Endorsement
- Designated Premises Endorsement
- Directors and Officers Exclusion
- Dishonest, Illegal or Criminal Act Exclusion
- Products - Completed Operations Exclusion
- Terrorism Exclusion
- Mould Exclusion