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Commercial General Liability

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CGL Coverage - Occurrence and Property Damage

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Is a construction defect an occurrence on the CGL policy?


If a breach of contract claims the same damages as a tort claim, why is it excluded, or is it?


Get the answers to these questions and more when you attend this session by Joe Junfola.

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Environmental and Pollution Risk and Insurance

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Environmental risk continues to evolve. Insureds that didn't think they had a risk do and insureds that knew they had a risk didn't know the extent of their risk.


Join us as Joe Harrington takes a deep dive into the world of environmental and pollution risk.

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CGL Master Class - Coverage C and Supplementary Payments

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What happens when the injury is small enough that $5,000 or $10,000 would pay for the injured person's bill? Do they really have to file a suit against the insured to get that money? That's where coverage C comes into play. This medical payments coverage makes it possible to handle small claims without a lot of issues. When we've handled medical payments, we will examine a part of the policy that provides for money outside of the liability limits to handle other things, like defense.


Join us in session number six in our CGL Master Class.

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Introduction to Local Government Liability

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Local governments deal with many issues, including unique liability exposures, that most businesses don't have to deal with. Some provide fire protection services and law enforcement services, not to mention the local school district and other departments. Each of which creates a different exposure, which needs to be addressed in their insurance program. Traditionally, many governmental agencies enjoyed a level of immunity from liability, but that concept of sovereign immunity has changed significantly over time. Join us as Brennan Quintus brings us his session on local government liability and deepen your understanding of this part of the insurance landscape.

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CGL Master Class - Coverage B and Selected Exclusions

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When most of us think about the CGL policy, we think about the bodily injury and property damage coverage (Coverage A), but there's more to it than that. Sometimes we forget that there is also something called personal and advertising injury that is included on the policy. Coverage B, personal and advertising injury, provides coverage for those offenses that are listed in the definition. Join us as we examine what those offenses are and several exclusions that apply to this coverage.

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Reconciling Contractual Liability and the Additional Insured: The Devil is Always in the Details

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Contracts are complicated and people sign them in their businesses without fully understanding their implications. Contracts often have insurance requirements and those requirements must be complied with. Join us as Joseph Junfola helps us to understand contractual indemnity and the additional insured.

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CGL Master Class - Coverage A and Selected Exclusions

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When most of us think about the CGL policy, we usually think about bodily injury and property damage. We all understand that there's more to it than that, but that's what we immediately think about.


Join us as we take apart Coverage A in this session. We plan to look at several exclusions and look for ways to deal with those exclusions.

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CGL Master Class - Additional Insured Endorsements

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Your clients are signing contracts more often than you ever wanted to know. Many of those contracts come with insurance requirements. Some request indemnification. Others are asking to add the other party as an additional insured on your client's liability policies.



  • What is an additional insured?

  • Why would someone want to be an additional insured?

  • Why would you add someone as an additional insured?

  • What does it really mean to be an additional insured?


These questions and more are answered in this third session in our CGL Master Class. Join us as Academy Director of Education, Patrick Wraight digs into the additional insured.




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Our Legal System and Legal Liability

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Liability is complicated. Where does the legal liability come from? How have courts handled similar situations?


Join us as Brenda Wells gives us an overview of the US legal system and helps us to understand how the law might impose liability.


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Fire Legal Liability vs. Legal Liability Coverage Form

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Understanding the differences between these two coverage topics is very important to your client, especially if they end up having a loss that would be covered under one yet excluded under the other. We'll make certain that we understand what is "legal liability" and how it could apply given both of these coverages.


Join us as Casey Roberts helps us to understand the differences between these two coverage topics so that you can help your clients make informed choices.




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