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Problem Issues in Commercial General Liability, 2nd Edition
Summit Business Media, Jan 2008, Pages: 240
The commercial general liability policy is the linchpin of business insurance programs. Virtually all companies carry liability insurance, under either business owners (BOP), commercial package, or monoline forms. Whether mom ‘n pop operations or multinational corporations, they cannot afford to operate without general liability insurance.
In the 1970s the form was called the comprehensive general liability policy, but that title seemed to imply that all third-party liability risks were insured. And so it was changed to commercial general liability coverage form with the 1986 Insurance Services Office (ISO) edition.
The CGL policy remains one of the broadest coverage forms in the industry. It promises to pay “those sums that the insured becomes legally obligated to pay as damages because of ‘bodily injury’ or ‘property damage’ to which this insurance applies.” It also pledges to defend suits against the insured as long as the coverage may apply to the allegations.
Despite the breadth and depth of this coverage and its long history, the application of coverage continues to be debated in agent, insurer, and risk manager offices - as well as in the courtroom. The editors of the FC&S Bulletins field their share of questions about how various types of coverage could be interpreted. Many of those questions involve the CGL form.
In this book, an outstanding cast of authors walks the reader through some of the toughest situations faced in Commercial general Liability. This thought provoking book provides solutions to the most encountered problems in commercial general liability.
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