Insurance Defense and Coverage
Coverage Types
A commercial general liability policy is the core third-party liability coverage for businesses. Coverage A addresses bodily injury and property damage caused by an occurrence, Coverage B addresses personal and advertising injury such as defamation and false imprisonment, and Coverage C provides limited no-fault medical payments.
Most CGL policies are written on standardized industry forms, which means a large body of interpretive case law exists for common provisions, modified by endorsements specific to each insured.
Alternative Names:
CGL Policy, General Liability Policy
Why it Matters?
CGL is the policy most often at issue in premises, construction, product, and general tort defense. Because the forms are standardized, coverage positions are largely predictable, and the real variation comes from endorsements. In construction and transportation matters, CGL additional insured tenders drive the allocation of defense costs across multiple carriers.
Frequently Confused with
Related terms
Frequently asked questions
What does a CGL policy not cover?
Does CGL cover construction defects?
