Provides individuals and family members with protection from legal liability for most accidents caused by them in their personal lives. Note that any legal liability claims submitted while in the course of business activities are not covered. Typically part

Insurance that covers individuals in their private lives, as opposed to their professional lives, against liability stemming from accidents.

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.

Traditional name for physical damage coverage for losses by fire, theft, vandalism, falling objects, and various other perils. On personal auto policies, this is now called other than collision coverage. On commercial forms, it continues to be called comprehensive coverage.

In Automobile and Liability Insurance, this is an all-risk coverage with certain named exclusions.

A policy covering all risks with exclusions named in the contract.