What is the Fire Damage Legal Liability Sub-limit in a CGL policy?

The Fire Damage Legal Liability Sub-limit in a Commercial General Liability (CGL) policy specifically refers to the maximum limit of coverage provided for damages resulting from fire on occupied premises that the insured does not own. This is particularly relevant in scenarios where a business operates in leased or rented spaces and is held liable for damages caused by fire to those premises.

This provision exists to protect insurers from excessive claims related to fire incidents, which can be substantial in nature. The sub-limit thus specifies the insurer's maximum exposure for fire-related claims, making it an important aspect of the overall liability coverage.

In contrast, the other options do not accurately reflect the nature of the sub-limit. The maximum payout for intentional fire damage pertains to a different type of liability, while the maximum for liability for fire damage to any property would encompass broader liabilities beyond just the occupied premise context. Coverage for criminal fire-related incidents is outside the typical scope of a CGL policy, further distinguishing the specific focus of the Fire Damage Legal Liability Sub-limit.