Commercial General Liability Insurance

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Level: Intermediate

Why you need this course:
After completing this course, you'll be able to determine whether a claim is covered under a Commercial General Liability Policy and, if it is, for how much.

Upon successful completion of this course, you should be able to:

  • Explain how each of the following can be the basis for legal liability:
    • Torts
    • Contracts
    • Statutes
  • Describe the following liability loss exposures that can be covered by commercial general liability (CGL) insurance:
    • Premises liability exposure
    • Operations liability exposure
    • Products liability exposure
    • Completed operations liability exposure
    • Other CGL exposures
  • Describe the insuring agreements, exclusions, and exceptions to exclusions under the following CGL coverages:
    • Coverage A—Bodily Injury and Property Damage Liability
    • Coverage B—Personal and Advertising Injury Liability
    • Coverage C—Medical Payments
  • Describe the supplementary payments provided by the CGL coverage form.
  • Explain whether, and for what amount, the CGL coverage form would cover a described loss.
  • Identify the persons and organizations that may be insured by the Commercial General Liability (CGL) Coverage Form.
  • Explain how the following limits of insurance in the CGL coverage form are applied:
    • Each occurrence limit
    • Personal and advertising injury limit
    • Damage to premises rented to you limit
    • Medical expense limit
    • General aggregate limit
    • Products-completed operations aggregate limit
  • Summarize the CGL conditions.
  • Explain how the claims-made CGL form differs from the occurrence CGL form.
  • Describe the purposes that can be served by endorsements to the CGL coverage form.
  • Explain how the premium for CGL coverage is determined.
  • Describe the purpose of each of the following:
    • Liquor Liability Coverage Form
    • Products/Completed Operations Liability Coverage Form
    • Owners and Contractors Protective (OCP) Liability Coverage Form
    • Railroad Protective Liability Coverage Form
  • Explain whether, and for what amount, the CGL or other miscellaneous ISO liability coverage forms would cover a described loss.

Cost: $20 per Professional Development Hour (PDH). Information on Professional Development Hours (PDH) provided can be found here.

Commercial General Liability Insurance Topics Include:

  • Basis for legal liability
  • Liability loss exposures that can be covered by commercial general liability (CGL) insurance, including:
    • Premises liability exposure
    • Operations liability exposure
    • Products liability exposure
    • Completed operations liability exposure
    • Other CGL exposures
  • The insuring agreements, exclusions, and exceptions to exclusions under specific CGL coverages
  • Supplementary payments provided by the CGL coverage form
  • The persons and organizations that may be insured by the Commercial General Liability (CGL) Coverage Form
  • How limits of insurance in the CGL coverage form are applied
  • CGL conditions
  • Differences between the claims-made CGL form and the occurrence CGL form
  • The purposes that can be served by endorsements to the CGL coverage form
  • How the premium for CGL coverage is determined
  • The purpose of each of the following:
    • Liquor Liability Coverage Form
    • Products/Completed Operations Liability Coverage Form
    • Owners and Contractors Protective (OCP) Liability Coverage Form
    • Railroad Protective Liability Coverage Form

Phone: (800) 644-2101 (U.S. and Canada)
(610) 644-2100 (Outside the U.S. and Canada)
Fax: (610) 640-9576
Mail: The Institutes
720 Providence Road
Suite 100
Malvern, PA 19355-3433
Customer Success is available Monday through Friday, 8 a.m. to 6 p.m. eastern time.

For retail ordering information, contact Customer Success or shop online. Or take a look at our full catalog.

E-mail: CustomerSuccess@TheInstitutes.org
Phone: (800) 644-2101

Customer Success hours are Monday through Friday, 8:00 a.m. to 6:00 p.m. eastern time.

Interested in corporate multi-user information, volume discounts, or learning management system (LMS) compatibility? Contact the Institutes' Regional Sales Executive in your area.


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