Our CGL Master Class is a seven-part class that takes participants through the details of liability exposures and the CGL policy. Each class is designed to build on the others, giving you a full understanding of the CGL policy.

This class is designed for those who want to know more about commercial general liability and are willing to take some time to learn about it.

Join us as Patrick Wraight, Academy Director of Education, brings his insurance experience to bear to help you become more confident in understanding and applying the CGL policy.

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Join us for the third session in our new Commercial Property Master Class, COPE (Protection & Exposure).

In this session, we will make an in-depth examination of the ways a commercial building can be protected from fire, both from internal building characteristics and external community characteristics.We will also discover why we care what buildings are nearby the insured building and what's going on in those nearby buildings.

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Which policy does an office building need?

Does a Condo Association policy need different policies if its a residential condo, or an office condo?

What about Business Income? Is that a different policy, or is it part of another policy?

Join us in the fourth session of our Commercial Property Master class as Academy Director, Patrick Wraight introduces us to the different commercial property policies available, when you might need them, and how they're put together.

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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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When the insured has a commercial property policy, one of the biggest question, is what is actually covered?

Is all of the property that they might own covered?

How do we know what is covered and what isn't?

Is there a way to change what property is covered and what isn't covered?

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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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The ISO Commercial Property Policy includes coverages that are not the main coverages but are in some ways just as important as building and business personal property.

This session walks through those other important coverages, such as debris removal, outdoor property, and replacement cost valuation.

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One of the first questions that must be addressed in the event of a property loss is what caused the loss?

After the cause of loss is determined, the next question is whether that cause of loss is a covered cause of loss.

In this session, we will dive into commercial property causes of loss forms to discover the difference between a covered cause of loss and an excluded cause of loss and find ways to change them.

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In this final session of our CGL Master Class, we will look at how the limits on the CGL policy get used. It may seem straightforward, but when you consider that there are six limits and a loss might touch three of them at once, it begins to get a little complicated. After that, we'll deal with several endorsements that you need to be introduced to because one of your clients might come to you with them on their policy. You need to know how they change the policy and if you need to try and get the endorsement removed.

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