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“Fire legal liability” is still used in policy language — even though standard policies dropped the term 30 years ago. (Photo: Shutterstock)

I received the following recent email query:

I have a situation where my would-be-insured is needing, because the lease states it, fire legal liability $1,000,000 and the policy we have been offered by a carrier states, “Damages To Premises Rented To You” is only $100,000. The offering I received from the carrier is for CGL “CP 00 90.” Could you please shine some light in this?”

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