When would the Tenants Legal Liability (TLL) apply, as opposed to Commercial General Liability (CGL)?
A – One of the determining factors which distinguishes which coverage applies is whether or not an individual or club entered into a lease, rental or occupancy agreement with a landlord or property owner which provided that the member or club would assume tenant legal liability – i.e. liability for losses incurred by the landlord/owner while the property was occupied, leased or rented to the member or club. There are likely other instances where, due to the nature of the activity and the location where it occurs, that even in the absence of a written agreement to assume liability for loss or damages, the TLL provisions may apply. In summary, TLL is the coverage that relates primarily to occurrences indoors in rented or borrowed premises. It applies particularly when the club has signed an agreement with the landlord (shopping mall, arena, etc) to indemnify the landlord for damage to the building, when using the space for an amateur radio activity such as a club meeting, public relation
A. – One of the determining factors which distinguishes which coverage applies is whether or not an individual or club entered into a lease, rental or occupancy agreement with a landlord or property owner which provided that the member or club would assume tenant legal liability – i.e. liability for losses incurred by the landlord/owner while the property was occupied, leased or rented to the member or club. There are likely other instances where, due to the nature of the activity and the location where it occurs, that even in the absence of a written agreement to assume liability for loss or damages, the TLL provisions may apply. In summary, TLL is the coverage that relates primarily to occurrences indoors in rented or borrowed premises. It applies particularly when the club has signed an agreement with the landlord (shopping mall, arena, etc) to indemnify the landlord for damage to the building, when using the space for an amateur radio activity such as a club meeting, public relatio
