Personal Injury Coverage

What many people don’t know is that Personal Injury is often excluded from Property Managers E&O coverage forms.  This can be a huge coverage gap for unknowing agents and their insureds.  Clauses impacting personal injury coverage can be found in the definition of “Wrongful Acts”, the insuring agreement, endorsements or in the definition of “Loss/Damages”.  Personal Injury coverage can often also be limited to Libel & Slander.  Professional liability exclusions commonly negate any coverage for this exposure on BOP or GL policies.  Double-checking policies to ensure that the correct coverage features are present is a bit easier when you know what to look for.  If you have any questions, feel free to contact our knowledgeable Underwriters!

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Check out the other great Insurance Programs for Condominium Insurance, Cooperative Insurance, Apartment Insurance and Property Manager’s Insurance that New Empire Group, Ltd. offers!