COMMERICAL INSURANCE

A- You could purchase an Excess or Umbrella liability policy to have additional liability limits above your underlying auto, home or business insurance. But, there may be some primary reasons why you would want to make sure you have an excess liability policy in place, due in part to some things you might have on your home premises, or business premises, and the possibility of being sued, or litigation brought against you. What might be some of those risk exposures that are on your premises that would encourage you to purchase an excess liability policy?

B- What are examples of Personal Injury liability? What can be included within Bodily Injury liability?

C- What might be some things covered under the Additional/Optional coverage called Ordinance or Law Coverage? What is the intent of this additional coverage?

D- Would things such as rust, corrosion, dry rot, and long-term seepage and leakage be covered under a basic property insurance policy? Why or why not?