General Liability Policy Exclusions

 The General Liability Policy excludes the following:

  • Hospitals/Emergency Facilities
  • An allopathic, osteopathic, naturopathic or chiropractic physician, resident, intern or extern
  • Psychiatrist
  • Pharmacist
  • Dentist, orthodontist, endodontist or periodontist
  • Any individual providing obstetrical delivery services
  • Definition of Bodily Injury broadened to include mental anguish, shock and humiliation, if accompanied by physical injury
  • Special Events (such as parties, bazaars, carnivals)
  • Fungal Pathogen Coverage (does not extend to remediation costs)

Major exclusions to the policy:

  • Absolute Pollution (does not apply to Hostile Fire)
  • Absolute Asbestos
  • Real and Personal Property in your care, custody and control (except for real property coverage contained in Fire Damage Legal)
  • Trampolines
  • Personal Injury Protection
  • Other Standard and non-standard policy exclusions