Coverage for liability exposure resulting from the activities of a business; includes: direct liability acts of the business resulting in damage or destruction of another party's property or bodily injury to that party; contingent liability although the business may not have direct liability, it may incur a secondary or contingent liability, for example through the employment of an independent contractor; medical payments to others insurance acts of the business resulting in injury to another party, with the insurance company paying the medical expenses to that party (up to the policy limits) without regard to legal liability of the insured business. The policy has three principal sections:
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