The NIGP general liability policy extends liability protection to a number of people involved in your business. If your business is a partnership or joint venture, this policy covers all partners or members and their spouses if they are sued because of something they did while acting in an official capacity for your business.
If you are a business or association, this policy also covers all executive officers, directors, stockholders, and employees while they are acting in their official capacities. Your policy would also extend liability coverage to any subsidiary for which you own more than 50% of the voting stock.
Under the NIGP general liability insurance coverage, any person or organization, such as a vendor, with whom you have a written agreement to indemnify, would also be protected against liability claims for any bodily injury or property damage that results from distributing or selling your product(s). Any newly acquired organization would also be protected under your policy for 90 days to newly acquired companies. Your legal representative would also be afforded liability coverage under this policy for any liability arising from the maintenance of use of your property in their care.
While acting under your direction and within the scope of their representative for you, any volunteers for your business would also be extended liability coverage.