Commercial General Liability Coverage

Training Manual Table of Contents
Section One:      Commercial Liability Loss Exposures and Evolution of the CGL Policy
Workshop 1.1 - Commercial General Liability Loss Exposures 1
History and Evolution of the CGL 4 
Framework for Liability Coverage Analysis  6 
Exhibit 1.1 - Framework for Liability Coverage Analysis 7 
Workshop 2.2 - Identifying the Variables in Making a Covg. Dec. 8
Section Two:      Common Policy Declarations and Common Policy Conditions  
Common Policy Declarations
Exhibit 2.1 - Common Policy Declarations
Common Policy Conditions 12 
Workshop 1.2 - Common Policy Conditions 16 
Section Three:      CGL Declarations, Policy Limits, Definitions  
CGL Declarations 18
Exhibit 3.1 - Commercial General Liability Declarations 18 
Occurrence v. Claims Made Coverage 18 
Exhibit 3.2 - Claims Made v. Occurrence Coverage 21 
CGL Policy Limits  21 
Exhibit 3.3 - Limits of the CGL 23 
Workshop 3.1 - Policy Limits 25 
Definitions 29
Workshop 3.2 - Definitions. 40
Sections Four:      Analysis of CGL Coverage  
Commercial General Liability Coverage Form 43 
Insuring Agreement - Coverage A - Bodily Injury and Property Damage 43 
Exclusions 45
Workshop 4.1 - CGL Coverage Problems 56 
Insuring Agreement - Coverage B - Personal and Advertising Inj. Liability 59 
Exclusions 60 
Workshop 4.2 - Coverage Problems - Part B - Pers. and Adv. Liability 63
Insuring Agreement - Coverage C - Medical Payments 64 
Exclusions 65 
Supplemental Payments - Coverages A and B 65 
Section Five:      Who Is an Insured and CGL Conditions  
Section II - Who Is an Insured   69 
Workshop 4.3 - Who=s Insured 72 
Section IV - Commercial General Liability Conditions

73

Workshop 4.4 - Putting It All Together. 78 
References 82