1. Commercial General Liability (CGL)
History
Coverage A - Bodily Injury and Property Damage Liability
Coverage B - Personal and Advertising Injury Liability
Coverage C - Medical Payments
Limits
Triggers - Occurrence vs. Claims Made

2. Historical Development
Comprehensive General Liability
Introduced in 1941
Combined coverages and multiple locations
Problems
Only limit was per occurrence
What is an occurrence in prolonged exposure situation?
Long tailed claims
Coverage for pollution claims
Initially any occurrence
Revised to sudden and accidental

3. Insuring Agreement for Coverage A
Insurer’s duty to pay damages
Legal obligation
Bodily injury or property damage
To which the insurance applies
Caused by an “Occurrence”
Coverage territory
Occurring during the policy period
Insurer’s duty to defend
Suits in equity
Supplementary payments
Limits of insurance

4. Another View of Coverage A
Premises and Operations Liability Coverage
Contractual Liability Coverage
Fire Legal Liability Coverage
Products and Completed Operations Coverage

5. Premises and Operations Liability Coverage
Accidents on premises owned, rented or used by insured
Accidents away from premises from ongoing operations
Exclusions
Workers Compensation
Employers Liability
Claims by relatives
Dual capacity doctrine
Third-party-over actions

6. Premises and Operations Liability Coverage
Exclusions - continued
Aircraft, auto or watercraft
Negligent entrustment
Loading or unloading
Mobile equipment
Damage to property
Named insured’s own property
Premises sold, given away or abandoned
Loaned property
Property in care, custody or control
Property being worked on
Faulty work

7. Premises and Operations Liability Coverage
Exclusions - continued
Pollution
Liquor liability
Expected or intended injury
Nuclear energy liability

8. Contractual Liability Coverage
Contractual liability exclusion
Insured contracts
Lease of premises
Sidetrack agreements
Easement or license agreements
Obligations to indemnify a municipality
Elevator maintenance agreements
Other contracts (hold harmless agreements)

9. Fire Legal Liability Coverage
Covers property insured occupies

10. Products and Completed Operations Coverage
Products hazard
Arising out of your product
Occurring away from premises
Not in possession of insured when damage occurs
Completed operations hazard
Exclusions
Damage to your product
Damage to your work
Damage to impaired property or property not physically injured
Recall of products
Pollution