Commercial Liability Insurance

Commercial Liability

About This Product

Commercial Liability Insurance is 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.

The subscription includes samples of all the ISO countrywide CGL and miscellaneous general liability forms, employment practices forms (current editions and some past editions), and a selection of AAIS forms.

Commercial Liability Insurance also includes CGL treatment and umbrella policy analysis. Plus, the related summaries of supportive court cases are extensive and up to date.

Individual Subscription

$33.25 per month (billed annually)

One Year Subscription

$89.00 per month (billed monthly)

Month to Month Subscription

What's included

Enterprise Subscription

Provide your entire team access to IRMI resources with a package customized to meet your needs.

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What's included

Product Description

Commerical Liability Insurance includes a detailed, line-by-line interpretation of standard liability forms, annotated word for word. Interpretation is based on court rulings, insurer claims guidelines, and best risk management practices.

This resource covers hot topics such as:

  • Additional insured coverage
  • Construction defects
  • Cyber and privacy issues
  • Differences in editions of the CGL policy.

You'll get a comprehensive analysis of all CGL coverages to put together the best insurance program, including an examination of endorsements and potential exposures.

Commercial Liability Insurance covers these topics.

  • Coverage Triggers
  • Commercial General Liability Insurance Overview
  • Historic Development of the CGL Policy
  • Terrorism and the CGL Policy
  • Annotations of all ISO CGL policy provisions
  • CGL Endorsements
  • Nonstandard GL Endorsements
  • Manuscript Additional Insured Endorsements
  • Surplus Lines Endorsements
  • Umbrella/Excess Liability
  • The Umbrella Policy
  • Umbrella/Excess Form Comparisons
  • Commercial Liability Insurance Tips

Benefits to You

  • Identify and eliminate gaps in coverage between the primary CGL and your umbrella/excess liability policies.
  • Grow your business by pinpointing errors in competitors' policies/proposals with third-party support to your corrective recommendations.
  • Avoid coverage gaps within your recommended liability insurance programs.
  • Negotiate coverage enhancements with your underwriters and insureds.
  • Use as third-party support to your efforts at negotiating claims on behalf of your insureds or communicating the rationale of denials to your insureds.
  • Increase your staff's proficiencies and resulting trust/respect from insureds, underwriters, and claims professionals.
  • Identify and work with your broker at eliminating gaps in coverage between the primary CGL and your umbrella/excess liability policies.
  • Consult explanations of provisions and their coverage intent for insight and third-party support when faced with claims disputes.
  • Utilize the detailed line-by-line interpretations of commercial general and umbrella/excess liability policy language, including all countrywide ISO endorsements, to help answer coverage questions, modify policies, and negotiate.
  • Get valuable insight about what the CGL policy and attached endorsements do and do not cover.
  • Use as third-party support to your efforts at negotiating claims on behalf of your company or communicating the rationale for denials to your insureds and their agents/brokers.
  • Includes 873 case citations.
  • Current and historical ISO policy forms provide an invaluable resource for litigation involving policy provisions.
  • Summaries of the drafting history and intent of each CGL provision help you determine whether historical case law actually applies to the policy provision you are examining.
  • Detailed CGL coverage analyses help you determine if gray area claims should be covered and provide documentation to the other side.
  • In absence of legal precedent, you'll have valuable insight to what the policies do and do not cover. Since IRMI is a highly respected research firm and has been quoted in critical court cases, our interpretations carry a great deal of weight.
  • Demonstrate coverage best practices to the court to help you win your agent/broker E&O cases.
  • Find gaps in coverage within the primary CGL and between upper layers of umbrellas.
  • Policy explanations and recommendations help you tailor coverage to your client's needs.
  • Use as support and a second opinion in your litigation consulting work.

Free Subscriber Newsletter

This valuable resource is included with your subscription at no additional charge.

Electronic Owl Newsletter

Your purchase of an IRMI reference product includes a complimentary subscription to The Electronic Owl e-newsletter. You'll receive a monthly update with links to new content and tips on how to get the most from your IRMI resources.

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