https://www.insurerbrain.com/w/index.php?action=history&feed=atom&title=Definition%3ACoverage_BDefinition:Coverage B - Revision history2026-06-13T15:06:11ZRevision history for this page on the wikiMediaWiki 1.43.8https://www.insurerbrain.com/w/index.php?title=Definition:Coverage_B&diff=10693&oldid=prevPlumBot: Bot: Creating new article from JSON2026-03-11T16:54:28Z<p>Bot: Creating new article from JSON</p>
<p><b>New page</b></p><div>🏠 '''Coverage B''' designates a specific section within standardized [[Definition:Insurance policy | insurance policy]] forms — most commonly the [[Definition:Homeowners insurance | homeowners]] (HO) and [[Definition:Commercial general liability (CGL) | commercial general liability (CGL)]] policies — that addresses a defined category of protection distinct from the policy's primary coverage grant. In a homeowners policy, Coverage B covers "other structures" on the insured premises, such as detached garages, fences, and sheds, separate from the dwelling itself (Coverage A). In a CGL policy, Coverage B provides [[Definition:Personal and advertising injury | personal and advertising injury]] liability protection, covering offenses like libel, slander, false arrest, and infringement of copyright in advertising, as distinguished from the bodily injury and property damage liability addressed under Coverage A.<br />
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🔧 The operational details depend entirely on which policy form is in play. Under the ISO [[Definition:Homeowners insurance | homeowners]] form, Coverage B typically defaults to 10% of the Coverage A dwelling limit and applies to structures detached from the main residence that are not used for business purposes. [[Definition:Underwriting | Underwriters]] may adjust this percentage based on the property profile. Under the ISO [[Definition:Commercial general liability (CGL) | CGL]] form, Coverage B carries its own [[Definition:Aggregate limit | aggregate limit]], separate from the Coverage A aggregate, and is triggered by a defined list of offenses rather than by an "[[Definition:Occurrence | occurrence]]" in the traditional bodily injury sense. [[Definition:Claims adjuster | Claims professionals]] must carefully distinguish which coverage part applies to a given [[Definition:Claim | claim]], as the triggers, exclusions, and limits differ materially between Coverage A and Coverage B within the same policy.<br />
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📌 Understanding the distinction matters enormously for both [[Definition:Policyholder | policyholders]] and insurance professionals. On the homeowners side, failing to recognize that a high-value outbuilding falls under Coverage B — with its default sub-limit — can leave a homeowner significantly [[Definition:Underinsurance | underinsured]] unless endorsements are added. On the CGL side, Coverage B has become increasingly relevant as businesses face claims related to digital advertising practices, social media activity, and intellectual property disputes. [[Definition:Insurance broker | Brokers]] and [[Definition:Risk manager | risk managers]] who overlook Coverage B during policy placement may leave clients exposed to liabilities that are both common and expensive to defend.<br />
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'''Related concepts:'''<br />
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* [[Definition:Commercial general liability (CGL)]]<br />
* [[Definition:Homeowners insurance]]<br />
* [[Definition:Personal and advertising injury]]<br />
* [[Definition:Coverage A]]<br />
* [[Definition:Policy form]]<br />
* [[Definition:Aggregate limit]]<br />
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