In the commercial insurance industry, the Commercial General Liability (CGL) policy is the most prevalent product, purchased by both public and private sectors throughout the United States. And CGL policies are the most litigated insurance product in the marketplace. CGL policies provide the insured with the broadest spectrum of protection and transfer to the insurer the risk of all liabilities for unintentional and unexpected personal injury or property damage.

CGL policies are the most litigated insurance product in the marketplace. Use this book as a survey of the most current developments and issues that can arise from a liability policy.

In the commercial insurance industry, the commercial general liability (CGL) policy is the most common form of liability insurance purchased by both public and private sectors in the United States and is perhaps the most litigated insurance product in the marketplace. CGL policies provide the insured with a broad spectrum of protection against unintentional and unexpected risk arising out of the conduct of the insured's business. The Reference Handbook on the Commercial General Liability Policy, Third Edition, provides concise overviews of the most salient points of insurance litigation over CGL policies. The Third Edition tracks the standard ISO CGL form and includes general updates on a host of coverage issues, such as the insurer's duty to defend and indemnify, the policyholder's duty to comply with policy conditions, "occurrence" triggers, covered injuries, damages, insured status, exclusions, loss allocation, and issues beyond the four corners of the policy, like bad faith and jurisdictional concerns. The Third Edition adds new chapters on Coverage C and Supplementary Payments, and weaves in emerging issues such as computer-related liability and opioid litigation. This collaborative work is written by experienced counsel representing both policyholders and insurers. The handbook offers seasoned practitioners with foundational material and leading case law to jump start their research, while guiding newer practitioners through the complexities of CGL policies.

CGL Policy Handbook, Second Edition offers plain-language analysis of the complex points of the CGL policy language and case law, focusing on issues where the terminology is subject to more than one interpretation. Whether you represent policyholders or insurers, you'll find the practical guidance you need to resolve coverage issues faster and prepare or defend claims more effectively. This comprehensive manual provides outstanding analysis of how CGL policy may integrate with many other primary liability policies and umbrella policies and offers helpful guidance for determining when specialized insurance policies or endorsements may need to be supplemented. Recent updates include discussion of many recent developments and adds significant new case law on a number of critical issues including: Enterprise risk management The insurance aftermath of September 11, 2001 Property damage Intentional damage exclusion Polluted related exclusions Employment related exclusions Motor vehicle exclusions andquot;Expansive riskandquot; exclusions Personal injury Advertising injury There's simply no more comprehensive or current research tool in this fast-changing area of the law!