Comprehensive Personal Liability Insurance (CPL)

Definition - What does Comprehensive Personal Liability Insurance (CPL) mean?

Comprehensive personal liability (CPL) insurance is a type of liability insurance that covers the expenses from legal liability to third-party liability arising from accidental property damage and/or bodily injury within the context of the policyholder's private life as opposed to professional life. CPL insurance protects the policyholder’s personal affairs as well as the policyholder’s family members from paying large amounts of money for personal liability claims.

Insuranceopedia explains Comprehensive Personal Liability Insurance (CPL)

Comprehensive personal liability insurance is standalone liability coverage for a variety of risks. Thus, even if a person already has a primary policy protection program, an umbrella policy like CPL provides extra liability protection over and above the limit of the primary policy.

In the context of homeowners insurance, comprehensive personal liability insurance may cover liability claims, such as, but not limited to, libel, slander, and invasion of privacy. Cases like visitors getting hurt on the premises, the policyholder's pet causing harm to others, a car accident wherein the policyholder is at fault, or when their child accidentally causes great harm to another person's house are also covered.

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