General Liability

How the CGL policy works: coverages, endorsements, additional insureds, and the forms behind them.

Guides

CG 00 01 Explained: How the Commercial General Liability 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 aggregates.

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.

Umbrella vs. Excess Liability Insurance: What Is the Difference?Umbrella vs excess liability compared. How each adds limits above your primary policies, what follow form means, when umbrellas drop down, and which fits.

What Is Professional Liability Insurance?What professional liability insurance covers, how it differs from general liability, how claims-made coverage works, who needs E&O, and what drives cost.

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.

Occurrence vs. Claims-Made Insurance Policies: What's the Difference?How occurrence and claims-made policies trigger coverage differently, retroactive dates, extended reporting periods (tail), and how to switch without gaps.

What Does General Liability Insurance Cover?What general liability insurance covers, Coverage A, B, and C of the CGL policy, who counts as an insured, key exclusions, and endorsements to watch.