Understand the CGL Policy, Line-by-Line
One of the central features of IRMI's Commercial Liability Insurance is the line-by-line explanation and interpretation of the standard commercial general liability (CGL) insurance coverage form. IRMI's analysis includes interpretations of each provision of the policy, including real-life applications and relevant court rulings.
What To Expect in IRMI's Line-by-Line Analysis
Special features of the line-by-line analysis are designed to help you grow your confidence in working with the CGL coverage form.
One critical feature of IRMI's line-by-line analysis is an exhaustive examination of the CGL insuring agreements, including the insurer's duty to defend.
Each of the policy's exclusions is also interpreted in detail, complete with examples of what coverage the exclusion eliminates and what coverage is left in place despite the exclusion.
Each provision defining "who is an insured" is explained with examples.
The application of the policy's limits of insurance is illustrated with examples to show clearly how per-occurrence and aggregate limits work.
Each condition imposed by the policy, including duties after a loss, subrogation, and other insurance, is thoroughly explained.
Because the policy employs defined terms to convey complex coverage principles in an understandable way, our line-by-line analysis explains how each defined term works in the contexts where it is found in the policy and how it shapes the limits of coverage.
With all of these features, you can put IRMI's line-by-line analysis of the CGL coverage form to use so that you can better understand the nuances of commercial liability and be equipped for any conversation.
