Coverage applies to bodily injury and property damage for an occurrence that takes place in the national coverage territory, which is defined as the United States of America (including its territories and possessions), Puerto Rico, and Canada.


Policies are rated for you for the acceptable activities you select based on your ZIP code.  Coverage, however, is not limited to your specific location or ZIP code. That means that under your policy, you can have a business address in one state and perform work in another state.

Please reference the policy definition of the coverage territory on the Commercial General Liability Coverage Form for a complete definition.