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CGL Policy Handbook

CGL (Commercial General Liability) Policy Handbook, written for both the practitioner and insurance professional, offers plain-language analysis of the complex points of the CGL policy language and case law, focusing on issues where the terminology is subject to more than one interpretation. Whether you represent the policyholder or the insurer, you'll find the practical guidance you need to resolve coverage issues faster and prepare or defend claims more effectively. This comprehensive manual provides outstanding analysis of how CGL coverages may integrate with many other primary liability policies and umbrella policies, and offers helpful guidelines for determining when specialized insurance policies or endorsements may need to be supplemented. There's simply no more comprehensive or current research tool in this fast-changing area of the law.

In this work, top insurance litigators demystify the Commercial General Liability policy with:

• Cases and analysis of all types of coverages that exist under the CGL

• Current citations and exhaustive footnotes that speed research

• Appendix containing ISO forms for the CGL policy and endorsements (ISO forms are contained in print product only, not on online on the IRN)

• In-depth analysis of the entire CGL policy at your fingertips

The Commercial General Liability (CGL) policy is the primary risk-transfer tool used by most organizations, and is the most important coverage for liability arising from premises, operations, products or services. It's also the most frequently litigated business liability policy today.

The task of acquiring a complete and balanced perspective on this multi-faceted policy has been a daunting one. CGL Policy Handbook gives practitioners a fast and easy way to research whether — and to what extent — coverage exists under the CGL policy for virtually all types of claims.

Written by experienced insurance coverage litigators, this remarkable reference provides in-depth examination of coverage and risk-management issues for all types of claims covered, in whole or in part, by the CGL policy. Comprehensive and easy-to-use, it combines in one convenient source all of the cases and analysis practitioners need to evaluate the coverage issues that most frequently arise in real life business lawsuits.

• Practitioner-friendly information and tools make CGL research easy.
• All cases are supported by detailed footnotes that speed and simplify further research.
• A concise coverage summary concludes each chapter, giving the practitioner a quick-reference synopsis of the key issues.

A detailed appendix gives you fast access to all the ISO forms for the CGL policy and endorsements:

• Bodily injury coverage—How to obtain coverage for emotional distress claims; what are physical manifestations of emotion distress.
• Property damage coverage—How to obtain coverage for economic damage, loss of use, and other non-tangible claims.
• Coverage A Exclusions—How to avoid the intentional-act, employment, work product, and other exclusions.
• Personal injury—What types of claims are covered by this overlooked section of the policy.
• Advertising injury—How the advertising nexus can be satisfied.
• Medical payments—How to use this obscure no-fault coverage to obtain insurance for employee and customer injuries.
• Optional forms—Liquor liability and other optional endorsements which broaden coverage.
• Risk management—How to reduce business claims not covered by CGL.
• Old policies‐How to find "buried treasure" in old policies; researching for evidence of old policies.

Features and Benefits
Does coverage exist? Find out fast.

To give busy practitioners the fastest possible access to information, the Guide is divided into four logically organized sections: The first three sections analyze the three basic CGL coverages: Coverage A (bodily injury and property damage liability); Coverage B (personal and advertising injury liability); and Coverage C (medical payments). The fourth section addresses specific issues about claims, including coordination with other policies and risk management.

Thoroughly researched and documented, CGL Policy Handbook provides the authoritative answers you need to quickly answer common questions:

• Does the policy cover emotional distress claims?
• Does the policy cover economic injury?
• Does the policy cover any discrimination, sexual harassment and other "employment practices" claims?
• Does the policy cover intentional acts which produce unintended damages?
• Does the policy cover any pollution claims?
• Does the policy cover any contract claims?
• Does the policy cover defamation claims?
• What should the insured do if the CGL insurer denies coverage?
• What happens if two or more policies provide coverage?
• How can the insured prevent business claims that are not covered by the CGL?
• And many more.

Table Of Contents
Highlights of Contents
Chapter 1. Bodily Injury
Chapter 2. Property Damage
Chapter 3. Occurrence Requirement and Intentional Damage Exclusion
Chapter 4. Property Exclusions
Chapter 5. Pollution-Related Exclusions
Chapter 6. Employment Related Exclusions
Chapter 7. Motor Vehicle Exclusions
Chapter 8. "Expansive Risk" Exclusions
Chapter 9. Personal Injury
Chapter 10. Advertising Injury
Chapter 11. Medical Expenses
Chapter 12. Gold in Old CGL Policies
Chapter 13. CGL Claims Process
Chapter 14. Risk Management