What is Liability Coverage (Coverage E)?

Liability Coverage can be found on the Coverage tab in the Portal for all policy types. This coverage is commonly referred to as Coverage E.

Liability coverage applies when a lawsuit or claim is filed against a Human Named Insured, an Additional Insured, or Other Household Members, alleging bodily harm or property damage caused to another person. Coverage limits range from $100,000 to $1 million.

Openly expands the traditional personal liability coverage to include personal injury. Personal injury coverage includes incidents such as false arrest, detention, or imprisonment; malicious prosecution; wrongful eviction; wrongful entry or invasion of private occupancy of a room, dwelling, etc.; oral or written publication; slander / libel; or violations of another person's right to privacy.

To see how liability extends to vacant land, this article and to see how liability extends to other properties, see this article.

To endorse the liability limit for an in force policy, contact us via our webform or Live Chat.

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