01
Bodily injury & property damage
Third-party injury and tangible property damage arising from premises, events, and ongoing operations — and, where scheduled, products-completed operations.
Coverage · 01
General liability, written to the operation.
Third-party injury and damage arising from the premises, events, and operations — and the defense of suits that allege them. The form is manuscripted. The issued policy is the contract.
Insuring agreements
What the line is built to hold.
02
Personal & advertising injury
Offenses such as libel, slander, disparagement, and certain advertising injuries, as defined in the form.
03
Premises & operations
Liability arising from owned, leased, or occupied locations and from the activities the organization actually runs.
04
Defense
Defense costs for suits alleging covered injury or damage, arranged and controlled as the policy provides — typically in addition to, or eroding, limits as manuscripted.
Operations
The premises, the event, the guest.
A GL form can follow an organization into the premises it occupies and the functions it actually runs. It is not a warehouse of every commercial exclusion a bureau committee ever drafted.
It is also not infinite. Expected or intended injury, contractual assumptions the form does not pick up, and the usual statutory overlays still apply. Read the issued wording.
Working the form
Practical notes for insureds and counterparties.
Who is an insured
Named insureds and those scheduled or defined in the form. Additional insureds, if any, are endorsed — they are not assumed.
How defense is arranged
The Company controls defense as the policy provides. Whether defense costs sit inside or outside the limit is a manuscript choice, not a slogan.
What this is not
Workers’ compensation, professional liability, and most pollution are generally outside a GL form. If those risks are written at all, they are written elsewhere, on other paper.
Certificates
Certificates of insurance are evidence of a policy in force. They do not amend it. Requests from counterparties of an insured may be made through this site.
Claims & certificates
Give notice. Request evidence.
Prompt notice under a GL form is not courtesy — it is a condition. Certificates for counterparties of an insured may be requested here.