This coverage protects your organization when a person is injured or a person's property is damaged as a result of an occurrence that's not automobile-related. You also have protection when claims are made against you because of offenses such as slander or wrongful eviction.

Lawsuits based on allegations of discrimination, wrongful employee termination, or sexual harassment, commonly referred to as "employment-related practices," are becoming increasingly common. This coverage will defend against such allegations and, in the event of an adverse judgment or settlement, pay on behalf of the organization and its employees, volunteers, officers, directors, trustees, and commissioners.

VFIS provides additional limits up to $10 million over and above your organization's underlying limits for Automobile Liability, General Liability, or Management Liability.