Los Angeles Claims Adjuster Practice Exam – Comprehensive Property and Casualty Prep 2026

Premises coverage is specifically designed to apply to occurrences that happen on designated premises owned, rented, or occupied by an insured. This type of coverage typically protects against bodily injury and property damage that occurs on these specific locations. In practice, it ensures that an insured party is covered for incidents such as slip-and-fall accidents or damage caused by conditions on the premises.

Understanding premises coverage is essential, especially for businesses that operate out of physical locations, as it helps to safeguard against liabilities that may arise from both everyday operations and unforeseen accidents within that specific property. This focus on designated premises distinguishes it from other types of coverage that may address broader concepts, like business operations as a whole or products sold.