One of the hallmarks of commercial general liability insurance is that it’s provided by insurers with relatively consistent terms.
Whether insurers use ISO’s CG 00 01 form, or something similar, you can be pretty certain that the potential for coverage is based on “bodily injury” or “property damage,” that takes place during the policy period, and was caused by an “occurrence,” defined as an accident (you know the rest).
You can also be confident when it comes to a CGL policy that the duty to defend will only attach to a “suit,” defense costs will be supplemental to limits, there will be relatively predictable exclusions, coverage is provided on a primary basis, subject to certain exceptions, and notice of a claim must be provided as soon as practicable.
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