Page 10 - Smith Ins. Primer

Primary Liability Coverage
Liability coverage insures against third party claims arising from alleged bodily injury or property damage to members of the public.
The insurance company has the duty to defend the associa on against any claim, which alleges injury or seeks damages regardless of whether the associa on is negligent.
A comprehensive general form is preferred as it covers all opera ons of the associa on and is not restricted to the associa on’s premises. Extensions of the coverage could include:
Addi onal Insureds
Provides employees and property managers ac ng within the scope of their du es the same liability protec on a orded to the associa on.
Adver sing Liability
Protects the associa on against injury arising from adver sing ac vi es including slander, defama on of character or libel.
Contractual Liability
Provides coverage if the associa on has entered into any contracts where it agrees to indemnify or hold harmless the other party.
Cross Liability
Provides protec on if an owner or member of the associa on sues the associa on for bodily injury damages occurring on a common area as a result of negligence by either a unit owner or the associa on.
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