Commercial General Liability (CGL)

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