What does the Premises Liability not cover?
• Premises Liability only responds when someone who is not an insured under your policy sues you for damages due to an injury sustained in your office. This means that the injured party must first suffer an injury on your premises, and then must make a claim for the damages they suffered. • The policy would not cover injuries to the insured, or the insured’s employees who make claims for injuries. This type of claim would be handled by worker’s compensation coverage. • Premises liability coverage does not provide coverage for damage to property or office contents due to fire, water damage, etc. If one is looking for protection for property or contents (office furniture, computers, client records, etc.) then one should look for a business property policy like a Business Owners Policy described below.
