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Public Liability Insurance covers the group if it is required to pay
compensation and legal costs for a claim made against the group for
personal injury or property damage (or both). This type of insurance
provides coverage in circumstances where the group is found to be
legally liable.
Generally, the injury or damage must occur on the premises occupied
by the association or while the association was meant to be
exercising a supervisory role. It is strongly recommended that an
organization that has premises or arranges excursions should have
adequate public liability insurance to cover it against being sued
for negligence.
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