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Coverage B of the CGL policy protects against personal and advertising injury, which includes libel, slander, copyright infringement, wrongful eviction, and similar non-physical harms. Coverage A addresses bodily injury and property damage, while Coverage C provides limited medical payments regardless of fault. Understanding these distinctions helps businesses manage both physical and reputational exposures.

Facultative reinsurance applies to specific, individually underwritten risks such as skyscrapers or power plants. Each contract is separately negotiated. Treaty reinsurance covers whole portfolios, and stop-loss treaties cap aggregate losses. Facultative provides flexibility for unique or unusually large risks.

Umbrella policies require underlying liability coverages, typically CGL and Auto Liability, to ensure basic exposures are addressed before higher limits apply. Workers comp and property are handled under separate systems. Umbrellas function as excess liability coverage, enhancing these foundational policies.

The Loss Sustained Form covers losses that occur during the policy period and are discovered within one year after expiration. The Discovery Form covers any losses discovered during the policy period, regardless of when they occurred. This timing distinction is crucial for aligning coverage with organizational needs and detection capabilities.

Uninsured Motorist Coverage protects insureds when they are injured or suffer property damage caused by drivers who lack insurance. This applies even if employees are injured in company vehicles. Liability protects third parties, Comprehensive covers theft/fire, and Hired Auto applies to rented autos. UM coverage ensures employees have recourse against uninsured drivers.