Commercial General Liability
CGL Master Class - The 7 Part Series
Our CGL Master Class is a seven-part class that takes participants through the details of liability exposures and the CGL policy. Each class is designed to build on the others, giving you a full understanding of the CGL policy.
This class is designed for those who want to know more about commercial general liability and are willing to take some time to learn about it.
Join us as Patrick Wraight, Academy Director of Education, brings his insurance experience to bear to help you become more confident in understanding and applying the CGL policy.
Continuous Injury/Damage Claims - Known Loss and the Montrose Exclusion
For most people, the most complicated liability claim they experience happens when there are multiple injured parties. However, when you consider that an occurrence may have begun several years ago, and run through several policy periods with different insurers, including the excess and umbrella insurers.
This gets complicated fast.
That's why Joe Junfola is bringing us this class. Join us as he guides us through the layers and the years of insurance coverage.
Lost Policies and Long-Tail Claims
How can an insured prove the existence of lost policies when faced with long-tailed claims, like pollution? Join us as Joe Junfola helps us to understand the burden of proof, secondary evidence, and investigative resources.
CGL Master Class - Policy Limits and Selected Endorsements
In this final session of our CGL Master Class, we will look at how the limits on the CGL policy get used. It may seem straightforward, but when you consider that there are six limits and a loss might touch three of them at once, it begins to get a little complicated. After that, we'll deal with several endorsements that you need to be introduced to because one of your clients might come to you with them on their policy. You need to know how they change the policy and if you need to try and get the endorsement removed.
CGL Coverage - Occurrence and Property Damage
Is a construction defect an occurrence on the CGL policy?
If a breach of contract claims the same damages as a tort claim, why is it excluded, or is it?
Get the answers to these questions and more when you attend this session by Joe Junfola.
Environmental and Pollution Risk and Insurance
Environmental risk continues to evolve. Insureds that didn't think they had a risk do and insureds that knew they had a risk didn't know the extent of their risk.
Join us as Joe Harrington takes a deep dive into the world of environmental and pollution risk.
CGL Master Class - Coverage C and Supplementary Payments
What happens when the injury is small enough that $5,000 or $10,000 would pay for the injured person's bill? Do they really have to file a suit against the insured to get that money? That's where coverage C comes into play. This medical payments coverage makes it possible to handle small claims without a lot of issues. When we've handled medical payments, we will examine a part of the policy that provides for money outside of the liability limits to handle other things, like defense.
Join us in session number six in our CGL Master Class.
Introduction to Local Government Liability
Local governments deal with many issues, including unique liability exposures, that most businesses don't have to deal with. Some provide fire protection services and law enforcement services, not to mention the local school district and other departments. Each of which creates a different exposure, which needs to be addressed in their insurance program. Traditionally, many governmental agencies enjoyed a level of immunity from liability, but that concept of sovereign immunity has changed significantly over time. Join us as Brennan Quintus brings us his session on local government liability and deepen your understanding of this part of the insurance landscape.
CGL Master Class - Coverage B and Selected Exclusions
When most of us think about the CGL policy, we think about the bodily injury and property damage coverage (Coverage A), but there's more to it than that. Sometimes we forget that there is also something called personal and advertising injury that is included on the policy. Coverage B, personal and advertising injury, provides coverage for those offenses that are listed in the definition. Join us as we examine what those offenses are and several exclusions that apply to this coverage.
Reconciling Contractual Liability and the Additional Insured: The Devil is Always in the Details
Contracts are complicated and people sign them in their businesses without fully understanding their implications. Contracts often have insurance requirements and those requirements must be complied with. Join us as Joseph Junfola helps us to understand contractual indemnity and the additional insured.