Common use of Civil Liability for Premises You Do Not Own Clause in Contracts

Civil Liability for Premises You Do Not Own. We will pay all sums which you become legally liable to pay as compensatory damages because of unintentional property damage to premises or their contents you do not own, as well as resultant loss of use. This coverage applies if the loss or damage is caused by any of the insured perils below, as set out in “Section I – Property Damage Coverages”: • Fire; • Explosion; • Smoke; • Water damage. This coverage applies if you are liable for these premises or their contents which you are using, renting, occupying or have in your care, custody or control.

Civil Liability for Premises You Do Not Own. We will pay all sums which you become legally liable to pay as compensatory damages because of unintentional property damage to premises or their contents you do not own, as well as resultant loss of use. This coverage applies if the loss or damage is caused by any of the insured perils below, as set out in “Section I – Property Damage Coverages”: • Fire; • Explosion; • Smoke; • Water damage. This coverage applies if you are liable for these premises or their contents which you are using, renting, occupying or have in your care, custody or control.