Comprehensive personal liability pays for negligent acts or negligent maintenance of premises by the insured. It does not cover automobile insurance and all business activities are excluded. It is usually attached to a homeowners or renters insurance policy. While it may, in certain circumstances be purchased alone, this is rare.Examples of claims include having the insured’s dog bite the postman, serving alcohol to an obviously inebriated guest who then has an auto accident, failure to maintain the front steps causing a guest to fall and be injured, and food poisoning people at a church supper with under-cooked chicken.