Commercial General Liability

Question 1

what are the components of a CGL policy?

Answer 1

section a: bodily injury and property damage
section b: personal advertising and injury liability
section c: voluntary medical payments
section d: tenants legal liability

Question 2

define bodily injury

Answer 2

means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time

Question 3

define property damage

Answer 3

-physical injury to tangible property, including all resulting loss of use of that property. all such loss of use shall be deemed to occur at the time of the physical injury that caused it, or…
-loss of use of tangible property that is not physically injured. all such loss of use shall be deemed to occur at the time of the ‘occurrence’ that caused it

Question 4

umbrella sits over _______________ whereas excess just sits over ____________________

Answer 4

property and auto
property liability

Question 5

what 4 perils are covered under tenants legal liability

Answer 5

fire
explosion
smoke damage
water damage

Question 6

what is the general aggregate limit?

Answer 6

maximum that we would pay in entire policy term

Question 7

bodily injury and property damage usually comes with a per occurrence limit of ________ and a general aggregate limit of _____

Answer 7

$2m
$5m

Question 8

what is section A of CGL

Answer 8

bodily injury and property damage

Question 9

what is section B of CGL

Answer 9

personal advertising and injury liability

Question 10

what is section C of CGL

Answer 10

voluntary medical payments

Question 11

what is section D of CGL

Answer 11

tenants legal liability