01.Core Concepts

Section 1 includes Coverages A–C Coverage A: Bodily Injury and Property Damage Liability The insurer agrees to pay on behalf of the insured all sums up to the policy limits that the insured is legally obligated to pay because of bodily injury or property damage The bodily injury or property damage must be caused by an occurrence, i.e., an accident, including continuous or repeated exposure to substantially the same general harmful conditions