The ideal general casualty policy provides a breadth of coverage for a variety of operational risks. This type of policy commonly includes:
| Type of Coverage | Exposure | Example |
|---|---|---|
| Premises & Operations Liability | Attributable to aspects of the physical plant or daily operations | Visitor trips on cracked sidewalk. Unsupervised school children knock down elderly parishioner. |
| Contractual Liability | For injury or damage assumed by oral or written contract | City Parks Department holds church accountable for bodily injury claim following parish picnic in city park, arranged by contract with the city. |
| Personal Injury Liability | For false arrest, detention or malicious prosecution; libel, slander, or defamation; and invasion of an individual' right of privacy | Community member sues after controversial statements about her are published in diocesan newspaper. |
| Advertising Injury Liability | For plagiarism or piracy of copyright or trademark | Another organization claims that the policyholder’s logo is confusingly similar to its own. |
| Fire Legal Liability | For fire damage to someone else’s property while the policyholder is occupying it | Fire damage to a cabin from a smoldering cigarette during a youth group retreat |
Incidental Medical Malpractice |
For a non-medical professional's rendering of, or failure to render, medical aid | Priest administers CPR and the stricken person dies. |
| Products Liability | For injury or damage caused by a 'product' made or sold by the policyholder | Child is injured by a used toy purchased at church rummage sale. |
| Medical Payments | For cost of medical treatment, payable without regard to or concession of policyholder's liability | Parish offers to cover emergency room bills after parishioner falls on icy steps. |