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Coverage for property loss liability as the result of negligent acts and/or omissions of the insured that allows a spreading fire to damage others' property. Negligent acts and omissions can result in fire legal liability. For example, an insured through negligence allows a fire to spread to a neighbor's property. The neighbor then brings suit against the insured for negligence. In another example, a tenant occupying another party's property through negligence causes serious fire damage to the property.