Commercial General Liability (CGL) Insurance

Summary

This practice note provides an overview of the coverage provided by the Commercial General Liability Policy (CGL). It also defines and discusses specific types of risks that are normally within the ambit of coverage and those that are typically excluded. The practice note also addresses ancillary duties and responsibilities of both the insurer and the insured. Many of them are common to liability insurance generally. These include the duty to defend the insured, circumstances when that duty does not exist or terminates, and the parties' responsibilities relative to it.