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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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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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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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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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 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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Is the new employee that decided to take a swing at a customer an insured on the company's CGL policy?

Is there coverage if an employee takes action to protect property and injures someone in the process?

Join us as we explore who is an insured on a CGL policy with Patrick Wraight, Director of Education for the Academy in this second installment of our CGL Master Class.

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