Commercial General Liability (CGL)

Coronavirus and the CGL

Very simply, how does or might the commercial general liability (CGL) policy respond to the coronavirus? There are many hurdles that must be jumped before the CGL will respond.

The Anatomy of a Hold Harmless and Indemnity Agreement

Although we know that interpreting contracts is a matter of law, because our customers routinely execute hold harmless and indemnity agreements with all manner of entities, knowledge of these contractual…

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Wrap-Up (CIP) Endorsements for the CGL

In its December 2019 multi-state filing, ISO made alterations to its two existing wrap-up exclusionary endorsements, the CG 21 31 and the CG 21 54. In addition to these edits,…

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“Dagger” or Plus Symbol Classes: What They Mean

Nearly 40% of ISO’s general liability class codes are, what some call, “dagger” codes. All a “dagger” classification does is rearrange where the products and/or completed operations coverage is found.

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Liquor, Liquor Everywhere, But None to Drink

Insurance Services Office (ISO) introduced several changes to liquor liability coverage in its most recent multi-state general liability filing. These changes include: 1) Four additional insured endorsements were created for…

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CGL Additional Insured and Insured Status Endorsement Changes

Insurance Services Office (ISO), in its most recent multistate endorsement revision filing, made a minor change to 25 additional insured endorsements; brought two additional insured endorsements up-to-date and in alignment…

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Excluding Electronic Smoking Devices (E-Cigarettes)

ISO promulgated two endorsements specific to e-cigarettes. One is an absolute exclusion and the second is a bodily injury only exclusion with a key exception. Be wary when either is…

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Cannabis Exclusions for the CGL

ISO released three cannabis exclusion endorsements for use with the commercial general liability policy (CGL) with effective dates of December 1, 2019. All three endorsements exclude cannabis, two have a…

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