| VoluntaryPayments | Amounts paid to another party for injury or damage caused by an accident for which the insured is not legally liable. |
| Nuisance | Interference with the lawful use or enjoyment of one's property. |
| ContractualLiability | Liability assumed under contract (either written or implied) which would not normally exist without the contract. |
| VicariousLiability | Liability imposed upon a party which is not directly a party to a particular occurrence. |
| StrictLiability | Liability imposed without the need to prove negligence, good or bad faith, nor lack of knowledge. |
| Negligence | The failure to do something which a reasonable person would do, or the doing of something which a reasonable and prudent person would not do under ordinary circumstances. |