LEGAL LIABILITY COVERAGE
provides property coverage for direct physical loss or damage (including loss of use) to property of others that is in the insured's care, custody and control or for which the insured is legally liable. The covered property can be real or personal property. Coverage is for the benefit of the property owner and not for the insured. The owner of the property is the one who files a claim for damages. A standard form provides this coverage and a causes of loss form must also be included. Coverage applies only when the named insured is legally liable for the damage. Because of this, the cause of loss form attached should conform to the contract causes of loss for which the named insured can be found legally liable.