Coverage A – BI/PD
This coverage includes the insurer's promise both to pay damages on behalf of the insured and defend against covered suits.
What is Coverage A – Bodily Injury & Property Damage Liability?
This covers things like libel, slander, and wrongful eviction.
What is Coverage B – Personal & Advertising Injury?
This pays for medical and funeral expenses if someone is injured on an insured’s premises.
What is Coverage C – Medical Payments?
This type of policy responds when the injury or damage occurs during the policy period, regardless of when the claim is filed.
What is an occurrence policy?
This type of exclusion removes coverage for acts intended by the insured.
What are intentional act exclusions?
Even if the insured isn't found liable, the insurer must do this in a covered suit.
What is defend the insured?
These injuries include mental anguish, humiliation, or loss of reputation.
What are mental injury, shock, or reputational loss?
Medical payments apply for injuries that happen adjacent to the premises or, if related to operations, at these locations.
What are roads, streets, or operations off-premises?
This type of policy responds only when a claim is made during the policy period.
What is a claims‑made policy?
If bodily injury was known before the policy started, it’s excluded as a known this.
What is known prior injury?
These are not covered under CGL as they're typically handled by workers comp or auto policies.
What are exclusions for other insurance types (like auto or workers comp)?
The offense causing personal injury must occur during the policy period and here, even online.
What is the coverage territory (worldwide for internet-based offenses)?
Injuries of this type of person—like an employee—are excluded under Coverage C.
Who is an insured (other than a volunteer)?
This optional provision extends claims-made coverage beyond policy expiration.
What is tail coverage or extended reporting period?
Coverage B excludes statements made in these online venues unless exceptions apply.
What are internet chatrooms or discussion boards?
BI/PD must result from this type of event or situation to be eligible.
What is an occurrence that’s a covered loss?
Publishing false material knowingly or breaching contracts can lead to this type of exclusion.
What is an intentional act exclusion?
Claims must be reported and the injured must agree to a doctor designated by the insurer within this timeframe.
What is one year after the accident?
This date limits how far back a claims-made policy will provide coverage.
What is the retroactive date?
This exclusion type prevents Coverage A from covering auto or workers compensation liabilities.
What are other insurance exclusions (e.g. auto, workers’ comp, professional services)?
This geographical criterion must be satisfied for Coverage A to apply.
What is that the damages occur within the coverage territory (e.g., U.S., PR, Canada)?
In coverage B, an offense committed in an ad may still be covered even with this type of exclusion.
What is an advertising-related exception to copyright or trademark exclusions?
Injuries arising during this type of physical activity are excluded.
What is sports or athletic contests?
In many U.S. jurisdictions, if a lawsuit includes both covered and non‑covered claims, the insurer is typically required to defend the entire suit without dividing defense costs. In occurrence policies, coverage is triggered by this—even if filed after policy expiration.
What is no apportionment of defense costs allowed?
This CGL policy type is activated by the filing of a claim during the policy period, requiring both the occurrence and the claim to take place while the policy is active.
What is a claims-made policy?