What does CGL B cover?

Does CGL cover property damage?

A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts.

What are some common CGL exclusions?

Does a CGL policy cover fire damage?

Under the standard commercial general liability (CGL) policy, fire legal liability of the named insured is covered subject to the "damage to premises rented to you" limit.

What is the difference between commercial general liability and general liability?

General liability insurance helps protect you from claims that your business caused bodily injury or property damage. It can also protect you if someone sues you for advertising injury. Commercial property insurance covers your business' physical location and equipment, whether you own or lease it.

Does general liability cover lawsuits?

Commercial general liability insurance (CGL) covers common lawsuits that arise from everyday business activities. It protects against customer injuries, damaged customer property, and accusations of defamation and copyright infringement.

Does a general liability policy cover theft?

General liability insurance won't cover your business equipment or property against theft or damage. You need a commercial property insurance policy to cover these types of problems.

What is the difference between general liability insurance and property insurance?

General liability covers injuries and damages that occur in the course of doing business. Casualty insurance focuses on injuries on your business premises and crimes against it. Property insurance covers losses to your land, buildings, and belongings, and it is sometimes combined with casualty insurance.

What does a business owners policy cover?

A business owner's policy provides general liability coverage and also pays for damage or loss of your building, equipment, and inventory. Businesses that interact with the public rely on a general liability policy to cover third-party lawsuits over bodily injuries and property damage.

What event triggers coverage under the CGL Coverage B insuring agreement?

If another person or organization alleges your organization is using their advertising ideas in your advertisements, Coverage B is triggered as this is a covered offense, further subject to the coverage exclusions.

What is included in personal and advertising injury?

Personal and advertising injuries are those injuries that arise out of any number of activities. These include defamation in the form of libel – such as writing, print, signs, or pictures – that in any way damage one's reputation, ridicule the person, or harm them in a professional way.

Which of the following would not be excluded under Coverage A of the CGL?

Which of the following is NOT excluded under Part A of the CGL form? The mobile equipment exclusion applies to the transportation of mobile equipment by the insured. However operation of mobile equipment is not excluded unless for racing or stunting.

How many limits are found in a CGL policy?

The CGL policy lists on the declarations six different limits. While the policy lists separately each of the six limits, it is important to recognize that the limits are all interrelated. That is, a reduction of one limit by the payment of damages will also reduce another limit.

Is Umbrella the same as general liability?

General liability insurance is the first line of defense in the event of a third party claim against the policyholder. Umbrella liability insurance is intended to respond in the event the general liability policy is exhausted or does not cover the loss.

Who is liable for fire damage?

If you are an insurer or an insured party of property that has been damaged by fire, which you believe was caused by negligence, then you may have a right to claim damages from the party or parties that were responsible for the cause and/or spread of the fire.

Does an umbrella go over damage to rented premises?

Liability policies often have sublimits. For example, the CGL policy typically includes a sublimit for "damage to premises rented to you." It is highly unlikely that the umbrella or excess liability insurer intends to drop down and pay losses in excess of a $100,000 damage to premises rented to you limit.

What is fire damage on general liability policy?

Fire damage legal liability insurance covers businesses that rent space if a fire is due to their negligence or error. If your landlord sues, the policy pays your legal expenses and damages up to the limit. Typically, that limit is ​$50,000​ or ​$100,000​.

What is damage to your work exclusion?

Exclusion "l. Damage To Your Work" eliminates coverage for "property damage to 'your work' [the insured's work] arising out of it or any part of it and included in the 'products completed operations hazard.

Who is an insured under a CGL policy?

An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business.

Does CGL cover product liability?

Comprehensive General Liability (CGL) policies generally provide coverage for product liability under the “products hazard” provision. The primary purpose of CGL insurance is to cover legal liability of the policyholder for accidents happening away from the premises owned, rented or controlled by the policyholder.

Which coverage does the general aggregate limit not pay damages for?

Under the standard commercial general liability (CGL) policy, the general aggregate limit applies to all covered bodily injury (BI) and property damage (PD) (except for injury or damage arising out of the products-completed operations hazard) and all covered personal and advertising injury.