Chapter 2 - The Commercial General Liability Policy

Easement

A certain right to use the real property of another without possessing it.



False imprisonment

Holding someone without lawful justification in a place against their will.



False arrest

Includes a false imprisonment, but contains the additional feature of detaining the victims with the intention that they may be turned over to the police for prosecution.



Malicious prosecution

These two must exists:
1) the complainant was arrested and later released
2) evidence provided revealed that the person making the complaint did not have an honest belief that a crime had taken place, but was guided by other improper motives such as a desire to harass or humiliate the victim.



Defamation

A statement that causes unjustified injury to the reputation of another person and which results in the loss to that person of the esteem, confidence, respect and goodwill of a considerable part of the community.



Slander

Spoken defamation



Libel

Written defamation



Aggregate limit

The most the policy will pay during the policy period for all claims for which insurance is provided.