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 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.

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.

The Commercial General Liability (CGL) Insurance Policy is the standard business policy used to pay claims for bodily injury or property damage to others. The policy is divided into three coverage sections-each with its own exclusions-and a supplementary payments section. Do you ever hear-or worry-that an insurance company will not pay a claim because coverage is excluded? In order to know how claims are paid, you need to understand the policy's insuring agreements and exclusions. In this book, attorney and insurance professional Dwight M. Kealy explains the insuring agreements in Coverage A, B, and C. He gives memorable examples of every standard exclusion-and some significant non-standard exclusions. He explains every supplementary payment, and he explains how policy limits impact how claims are paid.

The ISO Commercial General Liability form is the backbone of most commercial insurance programs. That's why virtually every insurance professional must be able to navigate it confidently. Commercial General Liability Coverage Guide is the only professional resource that traces the coverage provisions of the ISO CGL form from the 1986 (in some cases earlier editions) to the mostly recently released form. With a focus on real-world application, the Commercial General Liability Coverage Guide has been a perpetual best seller since the first edition was published in 1985. Now in its 12th edition, this singular reference extends the long-standing tradition of continuous improvement with the inclusion of significant new material and updates: » Case summaries of some of the most important court decisions that directly affect the CGL policy interpretation from the past year » An in-depth analysis of several issues that have recently arisen in the CGL, including: » The Care Custody and Control Exclusion » The Pollution Exclusion » The "Your Product" and "Your Work" Exclusions » The Expected or Intended Exclusion » Additional Insureds » Property Damage » Professional Liability and General Liability Insurance » Separation of Insured » State-by-State Analysis of Dram Shop Laws » Legal Status of Punitive Damages Insurability and Premises Liability » In-depth Analysis of the Liquor Liability Provision and the 2017 Changes to the Endorsement » Coverage Checklists for General Liability and for Commercial Umbrella and Excess Liability Commercial General Liability Coverage Guide also includes the Umbrella Form and Excess Form themselves, along with fully updated case law and a revised case law index. In addition to the all-new material, expert authors Donald S. Malecki and David Thamann have fully reviewed and revised (where necessary) the entire book. The 12th edition contains everything you've come to expect from this industry-standard CGL resource, including: » Original discussion and expert analysis supported by up-to-date multi-jurisdictional case law » The real-life examples that make this book the most practical CGL resource » Analyses of endorsement that may be used to tailor coverage » Highlights of the major changes seen in the 2013 ISO CGL form and analysis of how they affect coverage Only Commercial General Liability Coverage Guide enables you to master the Commercial General Liability form, navigate all the major policy provisions, correctly interpret policy language, and keep your focus on practical applications to real-world situations. Chapter by chapter, this plain-English guide dedicates its coverage to providing small businesses with options for having their auto exposures covered.

Let the Industry's most renowned CGL experts take you to the heart of general liability exposures and problems. This guide is the only resource to provide an in-depth, year-to-year comparison covering over 20 years of the CGL form. You'll also find court case citations that clarify the policy, summaries of all major endorsements to the forms and tips on how to tailor a policy to meet the needs of your clients. Commercial General Liability, 9th Edition has been updated to include the most recent exclusions and exceptions of the CGL form.