Mary Beth Forshaw | Simpson Thacher Standard commercial general liability policies Bodily injury What constitutes bodily injury under a standard CGL policy? CGL policies generally provide coverage for bodily injury or property damage sustained by third parties (rather than the policyholder) as a result of an occurrence. Insurance coverage litigation frequently centres on whether the… Continue reading In Brief: Commercial General Liability Policies in USA
Category: Commercial General Liability Policy
Does a CGL Policy’s “Business Description” or “Class Code” Limit Coverage?
Farrell Miller | Cozen O’Connor One way a CGL insurer can narrow otherwise broad bodily injury and property damage coverage is by activity. Activities that face similar risk can be grouped using an activity classification code, which can be incorporated into the policy through a class limitation endorsement. For instance, a policy issued to an… Continue reading Does a CGL Policy’s “Business Description” or “Class Code” Limit Coverage?
Are Untimely Repairs an “Occurrence” Triggering CGL Coverage?
Christopher G. Hill | Construction Law Musings All Class A commercial contractors in Virginia are required to have a minimum level of Commercial General Liability (CGL) coverage. As a general rule, this insurance is there for damage to property or persons arising from an “occurrence” that is covered by the policy. Many cases that are… Continue reading Are Untimely Repairs an “Occurrence” Triggering CGL Coverage?
Disagreement Does Not Mean Ambiguity
Michelle Gaston | Steptoe & Johnson West Virginia Supreme Court Upholds Water Backup Exclusion The Supreme Court of Appeals of West Virginia recently found an exclusion for loss or damage caused by “water that backs up or overflows from a sewer, drain, or sump” pump clear and unambiguous. The Court overturned the policyholder’s award of… Continue reading Disagreement Does Not Mean Ambiguity
Liability Insurance Coverage: Basic Principles
Peter Selvin | Ervin Cohen & Jessup There are certain core principles that must be applied in analyzing coverage under a liability insurance policy. This two-part article sets out those principles. It also explores some counter-intuitive situations in which such coverage may come into play. Insurance Liability Hidden opportunities to obtain coverage in liability cases… Continue reading Liability Insurance Coverage: Basic Principles