Which of the following does NOT specify limits of insurance for commercial general liability?

Which of the following does NOT specify limits of insurance for commercial general liability?

• A. Personal injury claims
• B. Legal defense
• C. Medical payments
• D. Product completed operations coverage

Answer: (B)

Legal defense typically does not specify limits of insurance for commercial general liability because it is included as part of the coverage and is often subject to the policy's aggregate limits. In commercial general liability policies, the limits are generally defined for various types of claims—personal injury, medical payments, and products/completed operations coverage all establish maximum amounts the insurer will pay for those specific types of claims. Legal defense, however, is important because it provides coverage for the costs associated with defending against lawsuits or legal claims, often without a separate, distinct limit. Instead, the legal defense costs are generally included within the overall coverage limits of the policy, which can affect how much, in total, can be paid for all claims combined. This allows for a more comprehensive handling of claims, as legal defense expenses can significantly impact the overall liability exposure for the policyholder.

Legal defense typically does not specify limits of insurance for commercial general liability because it is included as part of the coverage and is often subject to the policy's aggregate limits. In commercial general liability policies, the limits are generally defined for various types of claims—personal injury, medical payments, and products/completed operations coverage all establish maximum amounts the insurer will pay for those specific types of claims. Legal defense, however, is important because it provides coverage for the costs associated with defending against lawsuits or legal claims, often without a separate, distinct limit. Instead, the legal defense costs are generally included within the overall coverage limits of the policy, which can affect how much, in total, can be paid for all claims combined. This allows for a more comprehensive handling of claims, as legal defense expenses can significantly impact the overall liability exposure for the policyholder.