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Category Focus

Commercial Liability

Grow Your Expertise with IRMI Tools

Understand Critical Policy Wording

Access IRMI's expert analysis of each ISO form and endorsement, learn how to tailor coverage for specific needs, and avoid coverage gaps.

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See Analysis of Standard CGL Endorsements

Understanding the impact of standard CGL endorsements is vital to serve your clients or your organization effectively.

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Extend Your Knowledge to Miscellaneous General Liability Coverages

Access in-depth analysis of owners and contractors protective liability, product recall coverage, liquor liability, products-completed operations liability, and more.

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Find Sample Forms

Use IRMI's form library to quickly find standard commercial liability forms and endorsements.


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Grow Your Expertise in Umbrella and Excess Liability Coverage

Tap into line-by-line analysis of ISO commercial umbrella and commercial excess liability policies.

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Tackle the Nuances of Additional Insured Coverage Issues

Explore the complexities and strategies of securing additional insured coverage and addressing related issues.

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Featured Expert Commentary

Design and Professional Liability

Engineers May Testify on Architect's Conduct

November 08, 2024 | Kenneth A Slavens

Subcontractor Performance Risk

Closing the Loop—Collaboration in Sustainable Construction

October 18, 2024 | Cheri Hanes

Design and Professional Liability

Design Professional Review of Submittals under the AIA Documents

September 13, 2024 | Kenneth A Slavens

Additional Insured Issues

Modern Additional Insured Endorsements DO NOT Require Vicarious Liability

September 13, 2024 | Gregory Podolak

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Featured Subscription Resources

These subscription resources, continually updated and vetted by IRMI research analysts, will provide you with the tools you need to effectively and efficiently stay up to date on commercial liability coverage issues.

Commercial Liability Insurance

The most detailed resource available on commercial general liability, owners and contractors protective liability, liquor liability, products completed operations liability, railroad protective liability, pollution liability, and umbrella liability insurance.

This resource includes a detailed, line-by-line interpretation of standard liability forms. Interpretation is based on court rulings, insurer claims guidelines, and best risk management practices.

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Contractual Risk Transfer

A one-of-a-kind resource to help you draft rock-solid risk transfer and insurance clauses for construction contracts, leases, purchase orders, rental agreements, oil and gas drilling and production contracts, and many other contractual agreements.

It empowers contract drafters with updated model clauses, discussions and summaries of relevant state statutes, and advice on a breadth of relevant topics and strategies to keep you informed and covered.

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The Additional Insured Book

The effective use of additional insured status as a risk transfer strategy is a complex but also valuable strategy in connection with a project or business relationship. The Additional Insured Book provides key insight and practical guidance on problems with standard endorsement forms, offers suggestions for modifying coverage to correspond with contractual risk transfers, and critiques the good and potentially troublesome areas of a number of manuscript additional insured endorsements in use.

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Pollution Coverage Issues

With more than 800 court cases, this powerful reference gives you a bird's eye view of how all 50 states are ruling on issues such as coverage triggers, the known loss doctrine, and allocation.

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Additional IRMI Resources

Whether you are new to risk management and insurance or want to take the next step in your career, we can help you on the path to success.

Conferences

Expand your network and elevate your expertise by attending one-of-a-kind events that bring together producers, insurers, and insurance buyers to learn from industry experts and each other.

Certifications

Showcase your specialized expertise and distinguish yourself from the competition. Earning an IRMI certification verifies your command of the unique exposures and complex insurance needs of specific industries and product lines.

White Papers

Covering relevant industry topics, such as contractual risk transfer, bobtail and deadhead coverage, reinsurance, cyber risks, and more, IRMI white papers are full of actionable insights that you can immediately put to use.