CNA Insurance Policy Overview

A type of insurance policy that provides coverage for liability claims that exceed the limits of underlying insurance policies.

A document that modifies or alters the terms of an insurance policy.

The date on which an insurance policy or endorsement becomes effective.

A clause in an insurance policy that addresses the consequences of a policyholder's deliberate attempt to deceive the insurer.

False or misleading statements made by a policyholder to an insurer.

The deliberate act of hiding or withholding information from the insurer.

Intentional deception or trickery used to gain an unfair advantage from the insurer.

This exclusion covers personal and advertising injury arising from the insured's knowledge or negligence in causing harm through their actions or omissions.

This exclusion applies to claims based on oral or written publication of material that was first published before the policy period started.

This exclusion addresses claims arising from written publications containing false information, where the insured knew or should have known the information was false.

This exclusion covers claims arising from inaccurate or misleading statements about the quality or performance of goods or services made in the insured's advertisements.

This exclusion covers claims arising from using another's name or product in the insured's email address, domain name, or metatags to mislead customers.

This exclusion covers any loss, cost, or expense related to the presence, treatment, or removal of fungi or other organic pathogens. It applies regardless of other contributing factors.

This exclusion applies to property damage caused by water when there's also damage linked to fungi or other organic pathogens, regardless of the extent of each type of damage.

This insurance exclusion protects the insurer from liability related to alcohol-related incidents. It covers situations where the insured may be held responsible for someone's intoxication.

The exclusion applies to liability arising from allowing people to bring alcohol onto the insured's premises for consumption.

The exclusion covers liability from providing alcohol to individuals below the legal drinking age or those already intoxicated.

This exclusion protects the company from liability related to violations of regulations concerning the sale, distribution, or use of alcoholic beverages.

This exclusion applies even if the insured is accused of negligence in supervising, hiring, training, or monitoring individuals who contribute to alcohol-related incidents.

This exclusion means the insurance policy won't cover claims related to injuries or damages caused by watercraft, even if the insured is accused of negligence in overseeing, hiring, employing, training or monitoring others.

This exception allows coverage for watercraft that are on land, owned or rented by the insured.

This exception allows coverage for watercraft that are not owned by the insured, are less than 55 feet long, and are not used for transporting people or goods for a fee.

This exception allows coverage for liability assumed by the insured through a contract for the ownership, maintenance, or use of watercraft.

This exclusion prevents coverage for claims resulting from any exposure to asbestos, regardless of when the exposure occurred.

The insurance policy won't cover claims related to injuries or damages caused by the ownership, maintenance, operation, use, loading, unloading, or entrustment to others of any auto or mobile equipment.

This exception applies to the auto or mobile equipment exclusion. It means the policy will cover liability that is already covered by underlying insurance.

This exclusion applies to claims related to injuries, property damage, or personal and advertising injuries arising from exposure to asbestos.

This part of the asbestos exclusion addresses claims for costs related to asbestos testing, monitoring, cleanup, removal, containment, or disposal.

This exclusion covers liability arising from a breach of contract, except for an implied contract to use another's advertising idea in the Named Insured's advertisements.

This exclusion covers liability arising from any actual or alleged criminal act or omission committed by or at the direction of any Insured, unless the Insured was unaware of the act.

This exclusion covers liability arising from a hosted, owned, or controlled electronic chat room or bulletin board.

This exclusion covers liability arising from infringement of copyright, patent, trademark, trade secret, or other intellectual property rights, except for the use of another's advertising idea in the Named Insured's advertisements. It also excludes infringement of copyright, trade dress, or slogan in the Named Insured's advertisements.

This exclusion covers liability arising from businesses involved in advertising, broadcasting, publishing, telecasting, designing or determining content/websites for others, or internet search/access/content/service provision. However, it does not apply to personal and advertising injury.

This exclusion covers liability arising from an Insured's act or omission that occurs outside the United States, its territories and possessions, or Canada.

This exclusion covers liability arising from pollution, except for the release of pollutants from personal auto accidents or the escape of pollutants from the Insured's covered premises.

This exclusion covers liability arising from any form of nuclear incident. It also covers liability arising from the Insured's employment as a nuclear facility operator.

This exclusion covers liability arising from any act or omission of an employee or volunteer of the Insured, except for employees or volunteers acting within the scope of their employment or volunteer service.

This exclusion covers liability arising from any warranty or representation made by the Insured, except for representations or warranties made by the Insured in the Insured's own advertisements.