Analyzing Standard CGL Endorsements
Hundreds of standard endorsements for the commercial general liability (CGL) coverage form have been developed for the purpose of modifying coverage to suit the needs of insureds or to impose underwriting restrictions desired by the insurer. Many of these endorsements are as important in defining coverage as are the provisions of the coverage form itself. Understanding what these endorsements do is, therefore, vital to a correct understanding of CGL coverage.
How IRMI Can Help
IRMI's Commercial Liability Insurance provides explanations and interpretations of all standard CGL endorsements, as well as endorsements developed for use with miscellaneous general liability forms and the Insurance Services Office, Inc. (ISO), commercial umbrella coverage forms.
Standard endorsements fall into several categories—endorsements that add specialized coverage that may be needed by particular business categories; endorsements that modify certain sections of the policy, such as "Limits of Insurance" or "Who Is an Insured"; and perhaps most importantly for purposes of interpreting coverage under the policy, endorsements that impose exclusions.
IRMI's CLI reference lists and explains all these endorsements, providing easily relatable examples of how each endorsement works in real life. Where endorsements negatively affect coverage from the insured's standpoint, IRMI alerts the user to these negative effects and provides guidance in finding alternatives that protect the scope of coverage.
Start leveraging IRMI's commercial liability resources to understand all the nuances of how these endorsements work and the varied impacts they can have.
