Under Section II, what does coverage E (personal liability) cover?

Coverage E, or personal liability coverage, is designed to protect the insured from claims resulting from negligent acts that cause bodily injury or property damage to others. This means that if an individual is found liable for accidentally injuring someone or damaging someone else's property, this coverage will step in to cover legal expenses, settlements, or judgments against the insured up to the policy limits.

The emphasis on negligent acts is crucial because it distinguishes between unintentional harm and intentional actions. While the policy would typically handle claims arising from accidents or inadvertent actions, it does not cover claims for intentional damage or injuries sustained by the insured themselves, as these situations fall outside the scope of protections offered by personal liability coverage. Overall, this coverage is fundamental in safeguarding individuals from financial loss due to claims made by third parties for their negligent actions.