General Liability Insurance Coverage Summary

							                      General Liability Coverage Summary


•   General Liability provides coverage for sums that the insured becomes legally
    obligated to pay as damages because of bodily injury or property damage from a
    covered event.

•   A good benchmark to remember is that there must be bodily injury or property
    damage to trigger coverage under the general liability policy. PTO Today’s
    Insurance Program also offers the ability to purchase Accident & Medical
    Coverage for additional premium. A&H is different from the general liability
    coverage in that, it provides “no fault” coverage for covered events. A suit
    (which is necessary under the GL policy) does not have to be brought against the
    PTO to trigger coverage for the A&H.

•   PTO Today’s General Liability program includes coverage for Personal and
    Advertising Injury and Products –Completed Operations (see policy for
    definitions).

•   There is also coverage for Sexual Abuse & Molestation with a $1,000,000 limit
    per event and $1,000,000 aggregate limit.

•   The General Liability policy provides sub limits for Fire Damage and Medical
    Payments. The Fire Damage sub limit is $100,000 and the Medical Payments sub
    limit is $5,000. Fire Damage Liability provides coverage for the ensuing property
    damage to property, that the PTO is occupying, due to the PTO’s negligence.
    Medical Payments is a “no-fault” coverage providing up to $5,000 for First aid
    administered at the time of the accident, necessary medical, surgical, x-ray and
    dental services, and the necessary ambulance, hospital, professional nursing and
    funeral services. A suit does not have to be filed in order for the PTO to receive
    the $5,000 benefit. Should the expense exceed this limit, the claimant would seek
    protection under the general liability policy.

•   The General Liability policy is an “occurrence” based policy (with the exception
    of the Sexual Abuse & Molestation coverage limit). If a covered event occurs
    during this policy period, this general liability policy could respond.

•   The Sexual Abuse & Molestation coverage part is on a “claims-made” basis. A
    “claims-made” policy requires that the covered event and the reporting of the
    claim take place during the policy period and after the retroactive date. It is
    important to report notice of a potential claim to the carrier prior to the expiration
    of the policy term.

•   The PTO Today general liability policy does not have a deductible.
•   See the PTO Today website for a list of covered and excluded events. Should you
    have any questions, please call PTO Today or Arthur J. Gallagher Risk
    Management Services, Inc.

•   Volunteers are covered as part of the PTO under the general liability policy, as
    respects to their involvement on behalf of the PTO.