General Liability
How the CGL policy works: coverages, endorsements, additional insureds, and the forms behind them.
Guides
What Is Excess Liability Insurance and When Does Your Business Need It?Excess liability insurance adds limits above your general liability, auto, and employers liability policies. When you need it, how limits stack, what it costs.July 13, 2026
CG 00 01 Explained: How the CGL Policy Coverage Form WorksHow the CG 00 01 commercial general liability form works, Coverage A, B, and C insuring agreements, defense costs outside the limits, and both aggregate limits.July 10, 2026
Named Insured vs. Additional Insured: Insured Status Tiers Under CG 00 01Named insured vs additional insured under CG 00 01. The three insured status tiers, first named insured duties, and where endorsement status runs out.July 10, 2026
Umbrella vs. Excess Liability Insurance: Broader Limits and Drop-Down CoverageUmbrella vs excess liability compared. How each adds limits above your primary policies, what follow form means, when umbrellas drop down, and which fits.July 10, 2026
What Is Professional Liability Insurance?What professional liability insurance covers, how E&O and professional indemnity insurance differ from general liability, who needs it, and what it costs.July 10, 2026
Additional Insured Endorsements, ExplainedWhat additional insured endorsements really do, CG 20 10 vs. CG 20 37, automatic status forms, primary and noncontributory wording, and the key traps.July 9, 2026
Occurrence vs. Claims-Made Insurance Policies: Which Trigger Pays Your Claim?How occurrence and claims-made policies trigger coverage differently, retroactive dates, extended reporting periods (tail), and how to switch without gaps.July 9, 2026
What Does General Liability Insurance Cover?What general liability insurance covers, Coverage A, B, and C of the CGL policy, the key exclusions, cost, and the endorsements that can quietly narrow it.July 9, 2026
Related forms
Browse form references →ACORD 126Commercial General Liability SectionWhat the ACORD 126 general liability application section asks, how classifications and exposures set CGL premium, and why the subcontractor answers matter.ACORD 131Umbrella / Excess SectionLearn what ACORD 131 collects for a commercial umbrella or excess application, including underlying policies, limits, locations, vehicles, and exposures.ACORD 211Schedule of HazardsLearn how ACORD 211 extends a liability hazard schedule with class codes, exposure bases, locations, rates, premiums, and what an owner should verify.ACORD 25Certificate of Liability InsuranceWhat the ACORD 25 certificate of liability insurance shows, why it confers no rights on the holder, and how to read the operations and certificate holder boxes.ACORD 815International Liability Exposure SupplementLearn when ACORD 815 supports a commercial liability application and how to organize foreign operations, payroll, and loss information.ACORD 83Personal Umbrella ApplicationLearn how ACORD 83 organizes umbrella limits, underlying home and auto policies, drivers, properties, watercraft, and other personal liability exposures.CG 00 01Commercial General Liability Coverage FormWhat the CG 00 01 Commercial General Liability Coverage Form covers, how its three coverage parts work, and who automatically counts as an insured under it.CG 04 37Loss of Electronic Data Resulting from Physical Injury to Tangible Property Liability Coverage - Subject to Cyber Incident ExclusionLearn when CG 04 37 can cover electronic data loss caused by physical injury to tangible property, which limit applies, and why it is not cyber insurance.CG 20 01Primary and Noncontributory: Other Insurance ConditionWhat the CG 20 01 primary and noncontributory endorsement does, how it changes the other insurance condition, and when construction contracts demand it.CG 20 10Additional Insured: Owners, Lessees or Contractors (Scheduled Person or Organization)What the CG 20 10 additional insured endorsement does, why upstream parties demand it on construction contracts, and how its editions differ.CG 20 11Additional Insured: Managers or Lessors of PremisesLearn how CG 20 11 adds a landlord or property manager to a tenant's CGL policy, what premises claims it covers, and why the edition matters for lease reviews.CG 20 12Additional Insured: State or Governmental Agency or Subdivision or Political Subdivision: Permits or AuthorizationsLearn how CG 20 12 covers a government entity that issues your permit, which operations qualify, what the form excludes, and what proof to send correctly.CG 20 15Additional Insured: VendorsLearn how CG 20 15 protects a scheduled vendor for claims tied to the named insured's products, which vendor activities are excluded, and what to verify.CG 20 18Additional Insured: Mortgagee, Assignee or ReceiverLearn how CG 20 18 gives a scheduled mortgagee, assignee or receiver limited premises-related status, its construction exclusion, and the key items to check.CG 20 24Additional Insured: Owners or Other Interests from Whom Land Has Been LeasedLearn how CG 20 24 protects a scheduled owner or other interest that leased land to the named insured, when coverage ends, and which work is excluded.CG 20 26Additional Insured: Designated Person or OrganizationWhat the CG 20 26 additional insured endorsement does, when it fits better than CG 20 10, and why municipalities, venues, and event sponsors request it.CG 20 28Additional Insured: Lessor of Leased EquipmentLearn how CG 20 28 gives a scheduled equipment lessor limited additional insured status, when that status ends, and why property coverage is separate.CG 20 32Additional Insured: Engineers, Architects or Surveyors Not Engaged by the Named InsuredLearn how CG 20 32 covers scheduled architects, engineers or surveyors not engaged by the named insured, and why professional services remain excluded.CG 20 33Additional Insured: Owners, Lessees or Contractors: Automatic Status When Required in a Written Construction Agreement With YouLearn how CG 20 33 grants automatic additional insured status under a written construction agreement, when coverage ends, and what gaps remain in practice.CG 20 37Additional Insured: Owners, Lessees or Contractors, Completed OperationsWhat the CG 20 37 completed operations additional insured endorsement covers, why contracts pair it with CG 20 10, and how long you must keep it in force.CG 20 38Additional Insured: Owners, Lessees or Contractors: Automatic Status for Other Parties When Required in Written Construction AgreementLearn how CG 20 38 reaches direct and upstream parties required by a written construction agreement, when status ends, and which gaps remain in practice.CG 20 39Additional Insured: Owners, Lessees or Contractors: Automatic Status When Required in Written Construction Agreement with You: Completed OperationsLearn how CG 20 39 automatically grants completed operations status to a direct contracting party, its written-agreement trigger, limits, and key gaps.CG 20 40Additional Insured: Owners, Lessees or Contractors: Automatic Status for Other Parties When Required in Written Construction Agreement: Completed OperationsLearn how CG 20 40 automatically covers direct and upstream parties for completed operations, what triggers status, and which important limitations remain.CG 21 39Contractual Liability LimitationLearn how CG 21 39 narrows contractual liability coverage, which insured contracts remain, and why contractors should review indemnity obligations now.CG 21 44Limitation of Coverage to Designated Premises, Project or OperationLearn how CG 21 44 limits liability coverage to scheduled premises, projects, or operations and why the edition and completed schedule both matter today.CG 21 53Exclusion - Designated Ongoing OperationsLearn how CG 21 53 excludes injury or damage from scheduled ongoing operations, how location wording changes its reach, and what owners should review.CG 21 65Total Pollution Exclusion With a Building Heating, Cooling and Dehumidifying Equipment Exception and a Hostile Fire ExceptionLearn how CG 21 65 broadly excludes pollution liability while retaining narrow exceptions for building equipment emissions and certain hostile fires now.CG 22 79Exclusion - Contractors - Professional LiabilityLearn what CG 22 79 excludes from a contractor's CGL policy, how it treats hired design professionals, and what its construction-methods exception preserves.CG 22 80Limited Exclusion - Contractors - Professional LiabilityLearn how CG 22 80 excludes a contractor's professional services while preserving construction operations and how it differs from the broader CG 22 79.CG 22 92Snow Plow Operations CoverageLearn how CG 22 92 addresses completed snow plow operations under a CGL policy, what the auto policy covers, and which limits and exclusions remain in a claim.CG 22 94Exclusion - Damage to Work Performed by Subcontractors on Your BehalfLearn how CG 22 94 removes the subcontractor exception from the CGL damage to your work exclusion and why contractors should review it at renewal today.CG 24 04Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)Learn how CG 24 04 waives an insurer's recovery rights after a covered loss, whose interests it protects, and what it does not change about insured status.CG 24 17Contractual Liability: RailroadsLearn how CG 24 17 changes insured-contract treatment for a scheduled railroad and job site, what it does not replace, and what to verify before work begins.CG 24 26Amendment of Insured Contract DefinitionLearn how CG 24 26 narrows contractual liability under a CGL policy, what the causation and legality tests mean, and what businesses should review today.CG 25 03Designated Construction Project(s) General Aggregate LimitLearn how CG 25 03 creates a separate general aggregate for designated construction projects and what it does not change for completed operations on claims.CG 25 04Designated Location(s) General Aggregate LimitLearn how CG 25 04 applies a separate general aggregate at designated locations, what remains shared, and which policy details owners should verify now.