Personal Liability Insurance Canada Premium. Personal liability insurance, sometimes called PIP insurance, is short for “personal umbrella coverage” or “Personal Liability Insurance Canada Premium policy,” and refers to a type of insurance that protects you against a wide variety of legal and financial claims.
The term Personal Liability Insurance Canada Premium has been in use since the early 1900s, but it became quite popular in the late 1960s and early 1970s. A personal umbrella policy is usually an add-on, or an additional premium, to your home mortgage loan.
However, the umbrella can be used for any number of other legal and financial matters including car accidents, commercial property damage, health care expenses (e.g., hospital bills), and other types of personal injury as well.
An umbrella policy does not cover you for all types of lawsuits; there are still other forms of personal liability insurance that should also be taken into consideration before purchasing an umbrella policy . . . especially if you do not own residential real estate or have any other type of business.
The main purpose of a Personal Liability Insurance Canada Premium policy is to protect your assets against lawsuits you might face while traveling away from home or while traveling to different parts of the country (i.e., interstate travel).
An umbrella policy may be cheaper than both specific policies and life insurance policies; however, it gives you more coverage than just a simple life policy or a non-life policy would provide.
The most common types of umbrella policies are business automobile liability coverage (ABI), which covers you for any damages you might incur as a result of business accidents (e.g., industrial accidents) while driving your company’s cars; if your company’s vehicles are involved in an accident with another vehicle on the road; and private passenger automobile coverage (PPA), which covers you for injuries caused by passenger car injuries occurring on public roads.
whether they occur during normal driving hours or when the vehicle is being used for other purposes such as transporting goods within your business’ office building . . . such as transporting people from one location to another within the same city/town/province/state/country; and medical expense coverage (MED), which protects medical expenses incurred by accident victims who are treated at a hospital when outside their home state or province (even if they do not reside in their home state/province).
In many states, these types of policies may also offer additional protection beyond just providing medical expenses coverage (such as by paying an excess reimbursement
What is Personal Umbrella Insurance?
Personal liability insurance Canada is a form of insurance that protects your assets and income for you in the case of lawsuits and other disputes to be brought against you.
You may not realize it, but ALL homeowners and renters, as well as businesses, have personal liability insurance. It is only up to the individual homeowner or renter to decide whether they want to purchase personal liability insurance or not.
Personal liability insurance, also known as a personal umbrella policy, is a form of municipal bond backed by the owner’s assets. In most cases, it covers many of the same liabilities that are covered under automobile liability policies or homeowners’ association policies.
- Personal umbrella coverage can be obtained from one of several companies, including Allstate Insurance Company, Farmers Insurance Group , Farmers Mutual Casualty Company , Liberty Mutual Fire Insurance Company , GEICO Corporation , Travelers Property & Casualty Corporation , American Family Insurance Company , Hartford Automobile Insurance Company , Manufacturers Life & Health Insurance Company and State Farm Mutual Automobile Insurance Company .
A Personal Liability Policy (PLE) protects loss or injury to your property based on an accident occurring at home or work, resulting in bodily injury or death to you or someone else. Personal liability policies must meet certain requirements set by each state.
Some states require that the policy include:
- A limitation on how much damage a person will receive if you are sued while acting as an agent or employee under any name;
- An exclusion against any coverage if a person dies while acting as an agent;
- An exclusion against any coverage if a person dies while acting as an employee under any name;
- An exclusion against any coverage if a person dies while acting as an agent under another employer’s name; and/or
An exclusion against any coverage if you live in California. In addition, some states require that the policy include: A limit on how much loss will be charged for damages caused by fire – up to $1 million per occurrence – unless you choose a different limit (California)
An exclusions list – I’ve attached one below – which lists all exclusions allowed by law in each state; An exclusions list – I’ve attached one below – which lists all exclusions allowed by law in each state; A reasonable amount of time (usually 30 days) after the accident that no damage report should be completed and no claims filed within three years of the accident. Some states do not allow this period at all if you do not report within 30 days after an
How Does Umbrella Insurance Work?
Umbrella insurance protects your assets, including real estate, and your business, if one of the parties to a lawsuit becomes ill or dies.
What is it that you hope to achieve with umbrella insurance coverage? Most people think they want to protect their property. But with personal liability insurance coverage, you can protect yourself and your business against lawsuits that may adversely impact your financial well-being.
Umbrella insurance is an important part of any business plan. Without this type of protection in place, you may be sued by another party after an unfortunate accident involving your business, vehicle, or other personal property. In these cases, you may be able to recover some or all of the money you spent on replacing items damaged in the accident.
Whether you are planning a home remodel or purchasing a new car, it pays to have umbrella coverage in place should something unexpected go wrong. If someone damages your vehicle while driving drunk or crashes into the back of your building partner’s vehicle while operating a forklift at work, you do not want to be responsible for paying for either party’s medical bills or lost wages because they are injured in an accident caused by negligence.
If someone damages another person’s property while driving drunk or otherwise causing harm or injury through carelessness, such as leaving their vehicle unattended in a parking lot where people can walk on it, they could be held liable for any injuries caused by negligence as well as the cost of damages if they were not properly insured against accidents like this one.
Personal liability insurance protects against both lawsuits filed by individuals who have been injured because of someone else’s negligence and those filed by businesses sued because their employees harmed other businesses’ customers through careless errors such as dropping hot coffee on someone’s lap at work when pouring coffee into a mug instead of using mugs meant for pouring hot liquid into cups used to hold liquid when making coffee breakfasts over time.
Your umbrella policy must provide coverage against both types of lawsuits and will have different premiums depending on what type of suits are being covered and how much it will cost each month in premiums. The number of liability limits will vary from company to company depending on how many employees there are working at each location.
How much money has been lost due to negligent actions caused by employees working there (e.g., a construction company that has hundreds of workers working somewhere may have more than 100 employees who could potentially cause damage should they injure each other) than would be covered under more
Is Personal Umbrella Insurance Necessary?
The actual amount of damage or harm that a plaintiff could cause varies widely depending on factors such as the age of the victim, the amount and type of loss sustained, and whether the case was filed in small claims court or district court.
The following are some of the frequently asked questions about personal liability insurance:
- When does personal liability insurance become effective?
- Will it apply to my business?
- What is personal liability insurance for renters?
- If I need to buy personal liability insurance for business owners, how much will it cost me?
- Can I get coverage for my employee’s personal liability without my employer being named as another insured?
- How much does a personal umbrella policy cost?
What does “personal umbrella” mean in the context of business insurance policies and liability coverage for business owners?
If I purchase a personal umbrella policy, can I share an individual policy with my employees/employer as well as myself? How do I determine which coverage is required under both policies at the same time while balancing what each policy covers with what they don’t cover and which ones are more expensive?
Thank you. – Reply: Personal Umbrella Insurance is a good idea to protect your assets from lawsuits. For example, if you own a restaurant, then you may want to have some sort of protection against potential lawsuits against your restaurant or any other similar businesses.
A personal umbrella can be a good option because you can share an individual policy with just one person who has access to your money. With that said, there is no need for both policies at once because if someone decides to sue over your restaurant’s loss, then he will only be able to sue you personally over that single claim. That way multiple people who were potentially affected by your restaurant’s crime will only be sued by them directly.
Another thing worth noting when buying a personal umbrella policy is that it provides coverage for all losses caused by anything whatsoever related to the business itself (i.e., accidents involving customers or employees). This means that if someone gets seriously injured during his/her job at your restaurant but was injured due to an accident outside of your restaurant’s workplace area.
While driving his/her car), then he/she will still be covered by a medical claim on top of all other damages like employment-related injuries or whatever else happens (even if no one else was responsible for those damages). With that said, since this kind of cover may
Does a Personal Umbrella Cover My Assets?
The personal umbrella coverage was designed to protect legal expenses and loss of income while preparing your legal matters in the event of a personal injury, medical malpractice, or other types of catastrophic events.
The umbrella protects your assets from certain lawsuits, but it will not protect them from the financial loss that may result from the accident
What are the Limitations of Personal Umbrella Insurance?
Personal Umbrella Insurance protects your assets against a wide range of lawsuits, including personal injury and wrongful death lawsuits. It is designed to protect you against the unexpected and unexpected expenses that arise from an accident or health crisis.
- If you are shopping for a good umbrella company, it’s important to make sure the policy will cover all your liability needs, not just your personal liability needs.
- These can range from injury-related expenses (such as medical bills and pain & suffering) to the loss of income while recovering from an accident or illness. Some people also need protection against lawsuits related to the sale of their home or business.
The main limitation of Personal Umbrella Insurance is that it cannot protect you from medical bills other than what your medical insurance covers. You can still be sued in these cases if you have a medical malpractice claim covered by your health insurance policy. This can happen even if you have Personal Umbrella Insurance because these claims are covered by another provider (if any). It may also be cheaper for some people with Personal Umbrella Insurance to settle these claims rather than pursue them through the courts.
Some companies offer Personal Umbrella Insurance for renters specifically because renters generally do not have personal liability coverage in their homeowner’s insurance policies, even though they are at risk of being sued in such cases as homeowner’s negligence and failure to protect their property (personal liability).
While this might seem like an unfair advantage for landlords over tenants who do not own their homes, there is no reason why other personal policies should not cover renters as well, except where those policies are more costly or limited in scope than those that cover homeowners and provide only homeowners’ basic liability coverage (such as homeowner’s policy).
How Much Does an Umb?
Insurance is a very important thing. It keeps you, your family, and your business all safe. However, personal insurance can be expensive sometimes. Here are some examples of personal liability insurance to help you decide how much coverage you need.
A personal liability insurance policy will cover:
Property damage: If you have a car accident or fall and break a bone, your policy will cover the cost of fixing it up and getting it back on the road after an accident;
Employment accidents: If you are injured in an employment accident (i.e., a workplace injury), you will be covered for pain and suffering;
Personal injury protection: Protect your assets from a flood or fire as well as money damages for medical expenses and funeral expenses;
Bodily injury protection: All prescription drugs purchased by your health plan must be covered under this type of insurance; Personal umbrella coverage will protect your assets against certain lawsuits, and cover your legal expenses and loss of income while preparing your legal defense.
The umbrella policy provides coverage if any of these things happen to one of your members (the person named on the policy). For example, if you get suddenly injured while driving across the country with your teenage son and the boy’s mother falls off her motorcycle into a ravine during a rainstorm, both her son’s medical bills and her own would be covered by her umbrella policy.
The umbrella policy protects not only people who become injured but also their families, friends (including those who aren’t named on the policy), businesses they work at (which also includes their family members), property owned by them (including houses they live in), bank accounts.
Investments they own outside their business, life insurance policies they have taken out on themselves or others, inheritances they receive from their parents or grandparents, automobile claims paid by one owner but not another who bought it at auction using his name as payment, etc. Additionally, if someone else purchases an automobile using the same person’s name as payment then that person’s auto policy will not be affected because there was no transfer of ownership because such transactions are handled through title companies.
If someone sues another member in court then that person’s auto policy is covered unless there has been a transfer of ownership to another person which is usually done through title companies. However, most people don’t hesitate to sue each other over small issues like losing something at home or business.
Personal liabilities examples
Personal liability insurance Canada is a form of insurance that protects you and your business against certain lawsuits and covers your legal expenses and loss of income while preparing your legal claim. This can be particularly useful for businesses with a small or non-existent workforce.
However, if you are planning to hire additional workers, this service may not be available to you. For example, if you are going to hire employees in the future, it would probably be more convenient to purchase this service every year rather than monthly.
In addition, the policy covers the employee’s assets and that of his/her dependents (if any), including home (property), car (vehicle), and other assets. That is why it is sometimes referred to as personal liability insurance or personal asset protection plan (PAPP).
The amount of coverage depends on the type of business you are running and the number of employees working for you. Personal liability insurance Canada also covers employees who work outside the country. If they work at a firm that is not located in Canada, they must purchase separate Canadian coverage because their employers should not cover them in this country.
If an employee dies while on vacation or sick leave, Personal liability insurance will pay for funeral expenses, household expenses, funeral benefits, medical costs, disability benefits & life insurance. It will also pay for loss of income from wages or employment-related losses.
The policy also provides health supplements so that employees with pre-existing conditions such as diabetes etc., will be protected from financial trouble due to their illnesses when they become ill. The policy also provides medical care benefits, including emergency medical care.
during normal business hours as well as hospitalization during normal business hours and emergency hospitalization during normal business hours.
Emergency medical treatment is defined as treatment by hospital services provided by licensed healthcare practitioners who are certified by a health professional regulatory agency such as The College of Physicians and Surgeons of British Columbia (CPSBC) or Health Care Professionals Council of British Columbia (HCPCC).
They have undergone continuing education courses through accredited programs approved by these regulatory agencies which have been recognized by provincial government ministries across Canada under their provincial health professional regulation scheme system. They have completed continuing education courses through accredited programs approved by these regulatory agencies which have been recognized by provincial government ministries across Canada under their provincial health professional regulation scheme system
The amount of coverage depends on the type of business you are running and the number of employees working for you and varies from $20 million ($40
What is personal liability insurance for renters?
Personal liability insurance is a form of insurance that protects your assets from lawsuits. It can also cover your legal expenses and loss of income while preparing your legal paperwork.
The important thing to remember about personal liability insurance is that you need to be sure that the policy covers the kind of liability that’s likely to arise from your business operations. If you’re a sole proprietor who doesn’t have employees, then personal liability coverage is probably not necessary for you. If, however, you’re in a partnership or LLC, you’ll need to compare personal liability policy options with policies available for partners and other owners of limited partnerships.
Also, it’s important to consider whether or not the policy covers “legal expenses” and whether those expenses are covered by your income. Some insurers may limit coverage to specific types of legal fees incurred during the case (e.g., medical malpractice cases), while others may only cover costs related to defending the case against another person (e.g., DUI cases).
Finally, it’s important to understand how each policy will apply in terms of how it will affect how much money you’ll be able to spend on defending yourself in a lawsuit against another individual or entity (e.g., what percentage of your business income will be covered by each type of coverage). Fortunately for many people, many policies offer an “all-risk” option which means that if you get sued over something unrelated (such as an auto accident) – all of your money can be at risk!
To find out more about what kinds of insurance coverage are offered by different insurers and companies in Canada, check out my blog post on this topic: “What are the differences between personal liability insurance and commercial general liability insurance?”
Personal liability insurance for business
There’s no such thing as a perfect storm. It’s impossible to predict, even for the best of weather forecasters. But personal liability insurance may be the one thing that you can count on in this unpredictable world.
Personal liability insurance for business is important because it protects your assets against certain lawsuits if someone blames you for a collision or some other accident on the road. And if something happens to you while you’re out on the road, your liability insurance will cover your legal expenses and loss of income while preparing your legal case against that person.
It also covers you if accidental death occurs on your property while you’re out walking it. For example, if an accident occurs on a construction site and blows up a building that kills someone, your liability insurance will pay all of their medical bills and defend them in court.
How much personal liability coverage do I need?
Personal liability insurance is one of the most important things you can have if you want to protect yourself and your organization from potential legal problems. It can be costly, but it will also protect you and your business against lawsuits that occur in your company.
Many people think that personal liability insurance is only for companies, but this isn’t true. Personal liability insurance is also available for individuals, as well as businesses. If you live in a small town in Canada and someone decides to sue your company, personal liability insurance can help protect you against some of the financial consequences.
Personal Liability Insurance protects you from lawsuits when:
- You are involved in an accident while driving on public roads.
- You are involved in an accident while driving on private roads or highways.
- You are involved in an accident when riding your motorcycle or riding a bicycle.
- You are involved in an accident due to someone else’s negligence or misbehaviour (e.g., drunk driving).
What does personal liability insurance cover? What does “personal liability” mean? What’s my limit on personal liability coverage? All of these questions relate directly to the question about how much personal liability coverage do I need for my business? And what do I need to know about it?
The answer is… pretty much everything! From the smallest little operation down to large companies, every type of business needs its type of legal protection.
If you don’t have more than 1 million dollars in assets at any given time, then chances are good that there’s nothing else on the planet that could help you with your legal woes…and there isn’t anywhere near enough money to pay for all the legal bills! If however, you have a little more than 1 million dollars worth of assets then getting professional legal protection might not be so bad after all!
Even if you don’t have any assets at all right now it would still be brilliant if one day in the future something untoward happened – either outside of your control or something that was under your control – and then you could use this type of legal protection just like I am telling you right now!
Because every single day there is something new happening around us and something new comes up! So make sure that wherever it may be possible for someone else to hire a lawyer – use their services because they know what they’re doing and because they’re willing to work hard…make sure they give their client a real chance before dismissing them as unqualified due to
Personal liability insurance Geico
Personal Liability Insurance is a form of protection against personal liability. This form of protection is governed by individual states’ laws, so it may not comply with your federal laws.
The minimum amount that a policy will cover can vary widely from state to state. You should consult an insurance agent for details on how much coverage you are entitled to.
What is Personal Liability Insurance?
Personal liability insurance protects you and your employees from the potential consequences of negligence or intentional actions that place others at risk. It offers peace of mind for both you and your employees, especially those with large amounts of money at stake in a personal injury case.
What Is Personal Liability Insurance?
Personal liability insurance protects you and your employees against the consequences of negligence or intentional actions that place others at risk. It offers peace of mind for both you and your employees, especially those with large amounts of money at stake in a personal injury case.
Personal liability insurance state farm
In this article, I will be discussing a topic that many people never think about. Personal liability insurance for business is one of the most frequently overlooked topics in our society today, especially when it comes to the business world. This article will cover a few basic concepts that you need to know about personal liability insurance for businesses.
Personal liability insurance is also called personal insurance and can be purchased by individuals or businesses. A person may purchase personal liability insurance to protect themselves against lawsuits for personal injuries or property damage.
A business owner may purchase personal liability insurance to protect their assets and employees against lawsuits or claim to arise out of accidents, illness, or injuries to their employees, customers, or employees’ property.
The term personal lawyer refers to an attorney licensed in the state where they practice law. There are two types of professional liability: general and special. General professional liability insurance provides coverage for any claims against a person who owns, operates, or works on a company (a general professional) as well as claims arising out of an employee’s work product (an office professional).
General professional liability insurance will also provide coverage for claims against anyone employed by a general professional (a general professional employee) employee who does not own the company (a general employee). These two types of professional liability are used by both commercial and individual businesses at different times throughout the year (general professional).
Special professional lawyer refers to attorneys that specialize in particular areas such as traffic accident law; bankruptcy law; environmental protection; criminal law; construction industry; divorce, child custody, and support laws; probate and estate planning; intellectual property law.
Labor relations; medical malpractice law; tax law; trust laws, etc. These attorneys are referred to as senior specialists in their field who advise companies on issues specific to their area of expertise and often act as a ‘go-between’ between client companies and other experts in their field (specialist lawyers).
Some states have imposed restrictions on the type of specialized lawyers that can practice within the state’s limits so it is important to check with your attorney regarding restrictions in your state before purchasing your policy with these attorneys.
Some states even require that all corporate lawyers must have certain licenses so you should check with your attorney prior to purchasing your policy if you plan on hiring any corporate lawyers that specialize in this area within your state as they may not be able to take care of all cases depending on the scope of their practice within that area if they do not have these licenses issued by appropriate states agencies like Self-
Commercial umbrella insurance Canada
Personal liability insurance is an important component of any commercial or small business insurance plan. There are various types of personal liability insurance available today, including umbrella insurance, workers’ compensation, and car insurance.
But the primary purpose of a personal liability policy is to protect your assets against lawsuits, as well as cover legal expenses and loss of income while preparing your case. It provides coverage for you if you have been sued and also protects your company against lawsuits by its employees.
In addition to protecting assets, a personal liability policy also covers not only physical injury but also property damage caused by the negligence of others. A comprehensive personal liability policy covers damage caused by all forms of accident, including injuries, property damage, and death.
Several things such as newly built homes or apartment buildings are susceptible to damage due to fire and water intrusion if they do not have a personal liability insurance policy in place.
If you rent an apartment or house from another person you may want to consider purchasing a home/apartment personal liability policy from a reputable insurer, who will cover all your belongings for the duration that you live in the property which means that even if the landlord destroys all your belongings it will still be covered by this type of insurance policy. But there are certain things about personal liability policies that might be confusing at first:
• They can cover medical bills for victims who sustain injuries (e.g., from falls) at work;
• Personal liability policies protect you from lawsuits over things like sexual harassment or domestic violence;
• Personal liability policies can protect you if someone infringes on your First Amendment rights (e.g., defamation) at work;
• They can also provide coverage for legal expenses related to wrongful arrest and prosecution;
• They can also help protect insurers in future litigation against their insureds;
• And they can help protect employers in claims for negligent hiring, supervision, or termination as well as discrimination claims lodged against their employees;
• And finally, they often provide additional coverage for medical expenses incurred after being injured on the job (e.g., non-work-related injuries).
Comprehensive personal liability insurance
Most people are familiar with the term “liability insurance”, but what exactly is it? This article will help you to better understand liability insurance and take into account some factors when deciding on whether or not to purchase it.
Whether you are aware of personal liability insurance or not, it is still a very common practice for companies to ensure their employees are specifically against certain types of lawsuits. These types of lawsuits include bodily injury and property damage claims.
While these cases may not be covered under your insurance policy, you may still want to consider purchasing this type of coverage for yourself or your business.
When choosing the right level of coverage for your business, several factors should be considered. The first thing that should be considered is the amount that you will pay per incident covered by personal liability insurance – this will depend upon how serious the incident is and how much money you have at stake in any particular case.
For example, a fire insurance policy covers cases where the damage occurred while a building was being used as an accommodation facility such as hotels, restaurants, or even apartments (these would be covered if the building was not being used as an accommodation facility).
If you own a small business that has only occasional guests (such as conventions), then your regular property and casualty coverage may suffice as it is not valued on its own; rather, these cases are excluded from your regular property or casualty policy.
The second factor that should also be taken into consideration when deciding whether or not to purchase personal liability insurance for your company is the coverage provided – this can vary significantly depending on who the company is insuring against:
If someone else’s legal counsel has recently represented them in court then they are likely to have lawyers who specialize in handling work-related litigation issues. Thus, they may offer their services at full value instead of paying out-of-pocket expenses (you have no control over when such individuals might appear on your behalf).
With this in mind, companies such as law firms usually offer 100% reimbursement for their client’s legal expenses while they handle matters in court – meaning that they don’t need to pay out-of-pocket expenses since they are providing full value and reimbursement for all the costs incurred by their client!
In addition to this type of coverage offered by lawyers specialized in dealing with litigation issues, there may also be individual companies that offer supplemental insurance policies which provide additional types of protection like workers compensation coverage or workers’
Conclusion
Personal liability insurance will protect your assets against certain lawsuits, and cover your legal expenses and loss of income while preparing your legal documents.
The insurance covers the liability of something happening to you, such as being sued by someone who can prove they had a claim against you. It will not cover the liability of an event that is solely your fault: such as getting into an accident with another driver. Personal umbrella coverage will protect your assets against certain lawsuits, and cover your legal expenses and loss of income while preparing your legal documents.
Some things that people commonly have to do when they are sued are:
- Pay medical bills.
- Pay attorneys’ fees.
- Pay a settlement.
- Pay for court costs (such as a filing fee) if you lose in court.
- Pay for information about the case on a police report or other document (if it is needed).
- Make sure there are witnesses to the lawsuit before filing any paperwork (though witnesses may be subpoenaed).
Personal liability insurance protects you against lawsuits, and legal expenses, and loss of income while preparing your legal case. Most people have the misconception that personal liability insurance is intended to protect them from lawsuits. It does not.
A lawsuit is an action taken against someone for damages. A court case is an action where the court rules on a specific issue as to how much responsibility someone has for what happened or what he/she did in a certain situation. There are many different types of personal liability insurance available to protect you from lawsuits, including:
Conditional Liability Insurance
This type of personal liability insurance insures you if you do something wrong, but does not require the company to pay for any damages you may incur in this case. In other words, it will pay for some damage if you do anything wrong, but it won’t cover everything if you make a mistake instead of following through with your responsibilities or doing something that could cause harm to others.
General Liability Insurance
This type of personal liability insurance ensures anyone is involved in any kind of accident or injury on the job. In other words, it will cover them if they get hurt while doing their job and they have no one else’s fault (common among people who work at stores). It also covers damages if they get sick or injured at work because someone else was negligent (commonly associated with people who sell things on the side).
Legal Defense Liability Insurance
This type of personal liability insurance protects people who are being sued because of something that was done by another person who signed up for their policy as well as those whose reputation has been damaged because of negligence (such as doctors, lawyers, etc.). A lawyer’s public reputation can be destroyed too because he/she is representing someone who is being sued in a court case!
The best way to make sure your liability insurance covers all these kinds of cases is to choose one that does not specify specific limits on the amount it will pay out in each particular situation; that means this specific coverage should be added onto another type of policy instead.
For example: If you have legal defense liability coverage protecting both yourself and your employer, then this would be considered a secondary form of protection: legal defense coverage. If however, you only have general liability coverage protecting yourself and family members only — then this would be considered a third form of protection: general coverage purchased separately from the first two forms above. The reason why we
