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CGL Policy Handbook
Clarance E. Hagglund, Britton D. Weimer, Andrew F. Whitman, Arlene Jorgensen Hillestad

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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

About the Author

Clarance E. Hagglund, J.D., is a litigation attorney practicing primarily in insurance coverage, professional liability and other complex commercial litigation, trial and appellate. He is a Civil Trial Specialist certified by the National Board of Trial Advocacy; a National Board of Trial Advocacy Director; a Diplomate with the American Board of Professional Liability Attorneys; a Fellow with the International Society of Barristers; and a member of the professional Liability Section of the Federation of Insurance and Corporate Counsel. Mr. Hagglund is the senior partner of Hagglund, Weimer & Speidel in Minneapolis, Minnesota.

Britton D. Weimer, J.D., is a litigation and transactional attorney practicing primarily in insurance and commercial law. He is licensed to practice law in Texas, Wisconsin, Minnesota, and the Eighth Circuit Court of Appeals. Mr. Weimer is the author of articles published in the Federation of Insurance and Corporate Counsel Quarterly, the Real Estate Law Journal, the International Society of Barristers Quarterly, the Hofstra Property Law Journal, and the Banking Law Journal. He is a partner at Hagglund, Weimer & Speidel.

Andrew F. Whitman, Ph.D., J.D., CLU, CPCU has extensive experience in insurance law and risk management as Deputy Commissioner and Acting Chief Counsel for the Pennsylvania Insurance Department, as an attorney admitted to practice in Pennsylvania and Minnesota, and as a Professor of Insurance at the University of Minnesota Carlson School of Management. Dr. Whitman serves as an insurance consultant and expert witness, has authored many publications, and has taught numerous university courses and executive development seminars on risk management and insurance.

Arlene Jorgensen Hillestad, J.D., L.L.M., M.A.P.A., is an attorney who works in the area of corporate electricity contracts at Cargill-Alliant, LLC. She has worked for federal government agencies in Washington, D.C. and as a judicial clerk with federal courts. Ms. Jorgensen Hillestad is licensed to practice law in the states of Minnesota and North Dakota.

Authors Hagglund, Weimer, and Whitman also co-authored the nationally acclaimed risk management book, Stay Out of Court and Stay in Business. Learn how the courts evaluate coverage on virtually any CGL policy issue! Chapter-by-chapter, CGL Policy Handbook provides valuable insights on the background and history of the policy provisions, and then proceeds to examine policy specifics, setting forth their legal ramifications in a thoroughly interrelated, practitioner-friendly context. Where courts have grappled with a particular issue, an analysis of key decisions from various jurisdictions is provided, giving practitioners the perspective needed to examine all possible coverage arguments.

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

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CGL Policy Handbook

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