Commercial General Liability


A directory of majority of commercial contract analyses containing links to each analysis as of date published.

June 05, 2023

This discussion analyzes the Owners and Contractors Protective Liability (OCP) Coverage Form, CG 00 09.

April 25, 2023

Looks at the differences in claims-made vs occurrence coverages, and how the retro date affects coverage under the claims-made form.

This discussion looks at the differences between a claims-made policy and an occurrence policy, and how the retroactive date affects coverage under the claims-made form. 

December 21, 2022

This is an introduction to and analysis of new ISO endorsements being made available to exclude liability exposures of or relating to PFAS chemicals.

Contract analysis of CG 04 16 Sexual Abuse or Sexual Molestation Liability Coverage (Claims-Made)

Part II of General Liability Sexual Abuse or Sexual Molestation endorsement analysis, this document providing a contract analysis of CG 04 15 09 22, Sexual Abuse or Sexual Molestation of Any Person Committed By The Insured Liability Coverage.

May 23, 2022

Part I Analysis of CGL sexual abuse or sexual molestation endorsements, describing the background of the endorsements and providing an analysis of CG 04 14 Sexual Abuse or Sexual Molestation Liability Coverage, and the exclusion endorsements CG 40 28 and CG 40 29.

With coverage forms, exclusion endorsements, and exclusions with specified exceptions, it can sometimes be difficult to determine where and if coverage applies in a given claims situation. Thus is the case here.

November 30, 2020

Explains the ISO CGL liquor liability exclusion with cited court cases and includes a chart of the recently updated liquor liability grades by state.