ALL LIABILITY COVERAGE PARTS FOR WHICH APPLICATION IS MADE APPLY, SUBJECT TO 2026

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin by filling out the Applicant Information section. Enter the name, address, and website of your organization, along with the year it was established and a brief description of its operations.
  3. Provide contact information for Risk Management Services. Include details for both HR and Executive Director contacts to ensure access to loss prevention programs.
  4. Complete the Organization Information section by detailing the number of members, chapters, funding sources, and any relevant financial data.
  5. In the Financial Information section, input figures related to your fiscal year-end. Ensure accuracy as this will impact your coverage options.
  6. Review and complete the Loss Information section if applicable. Disclose any claims that may affect your coverage eligibility.
  7. Finally, sign the application electronically in the Signature Section. Ensure all information is accurate before submission.

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Liability insurance helps cover medical and legal fees if youre held legally responsible for someone elses injury, or damage to someone elses property. Liability car insurance helps financially protect you if youre found at fault in an auto accident.
The most commonly required liability limits are $25,000/$50,000/$25,000, which mean: $25,000 in bodily injury per person. $50,000 in total bodily injury per accident.
The standard CGL policy contains three basic parts: (1) a general grant of coverage, also called the insuring agreement, (2) exclusions from the grant of coverage, and (3) policy conditions and miscellaneous provisions. The terms of the policy may also be modified by separate endorsements.
Vehicle insurance (including car, motorcycle, RV, boat, and others) Injuries you cause to someone else while driving. Damage you cause to other vehicles while driving. Damage you cause to someone elses property, such as a mailbox or street sign. Legal expenses for accident-related lawsuits.
Liability insurance generally covers damage youve caused yourself, as long as it wasnt deliberate. For example, if you drop your colleagues phone. You are also generally insured for damage caused by your child or pet, for instance, if your daughter is playing football in the street and breaks a shop window.

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Business insurance claims under this kind of policy can include: Damage your business causes to the property of customers or others. Bodily injury to non-employees. Product liability if a product youve developed or sold hurts someone or damages their property.
Most professional liability policies operate on a claims-made basis, meaning that coverage is triggered when a claim is made against the insured during the policy period, regardless of when the alleged error or omission occurred.
Liability doesnt cover injuries to you or your passenger, nor does it cover physical damage to your vehicle, even when youre at fault in the accident. Having only the minimum liability required by your state with no additional coverage leaves a large gap when it comes to repairing your vehicle after an accident.

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