Insured status must exist before any coverage issue can be addressed – if the natural or legal person is not insured, there is no reason to go any further. The best-designed insurance program is useless if the person or organization financially responsible for the loss is not an “insured.” When civil liability damage occurs, the very first question is: “Is the person or organization causing the injury or damage an insured?” If the answer is “no”, stop, do not go any further – there is no coverage. Personal injury and advertising damage, often referred to as coverage B, are automatically included in general liability insurance. This coverage provides valuable protection against claims that assert defamation, defamation, and various other offenses. Does the right to injury or damage meet all the requirements of the insurance contract? If so, continue with exclusions, exceptions, and conditions to finally confirm or deny coverage. If the loss is out of the insurance agreement, stop – there is no coverage. Spirits insurance is a commercial coverage that protects your business from loss or damage caused by the drunkenness of a customer of your business and by damage to yourself or others. If your business produces, sells, serves, or facilitates alcohol, your business will likely need this coverage. Spirit drinks liability insurance can be sold as an addition to commercial liability insurance or as a stand-alone policy. . . .