This is the standard liability policy written for most types of businesses. Coverage under this type of policy will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" to which the insurance applies. Typical claims include injuries to visitors to your property or damage to other's property by clients. Coverage for allegations of Physical and Sexual Abuse, professional Liability and Employment Practices Liability are specifically excluded.

This policy provides insurance for claims arising from the care of your clients. Typical claims include improper supervision, errors in dispensing medication and neglect. Coverage for allegations of Physical and Sexual Abuse is available as an optional coverage under this policy.