Is a Commercial General Liability Policy Enough?

When a Commercial General Liability policy is written for a professional - including a labor union or a training fund, the intent is usually to insure the individual's or organization's liability exposures that are not of a professional nature. For example, an injury sustained by a guest when they fall in the lobby of the union’s building would clearly be covered by the Commercial General Liability policy. Many of the Commercial General Liability endorsements exclude coverage for "bodily injury, property damage, personal injury, or advertising injury arising out of the rendering or failing to render professional services in connection with..." a particular type of professional work.

We have always felt that Training Funds should have professional liability coverage for their instructional activity and the coverage must respond to contingent bodily injury and property damage claims. Because a Training Fund often engages in disseminating information by printed or oral means or over the internet, we also believe Training Funds need Publishers Liability Insurance, Personal & Advertising Injury – with contingent bodily injury and property damage liability endorsement.