Commercial Liability Insurance for Contractors Course Outline

  1. Course Introduction
  2. Construction Liability Risks and Insurance Overview
    1. Construction Liability Exposures
      1. Premises and Operations Risks
      2. Products and Completed Operations Risks
      3. Contractual Liabilities
      4. Independent Contractor Liability
    2. Construction Risks and the CGL Policy
    3. CGL Policy Structure
      1. Section I
      2. Section II
      3. Section III
      4. Section IV
    4. Reading the Policy as a Whole
  3. Coverage A Insurance Agreement
    1. Coverage Trigger
      1. Progressive Injury or Damage
      2. Known Loss Restrictions
      3. Completed Operations
    2. Covered Damages
    3. Coverage Territory
  4. Coverage A Exclusions
    1. Expected or Intended Injury or Damage
    2. Contractual Liability Exclusion
      1. Definition of "Insured Contract"
      2. Lease of Premises
      3. Sidetrack Agreements
      4. Easements
      5. Municipal Ordinance Obligations
      6. Elevator Maintenance Agreements
      7. Indemnification Agreements
      8. Exceptions
    3. Liquor Liability Exclusion
    4. Workers Compensation and Similar Laws Exclusion
    5. Employers Liability Exclusion
    6. Pollution Exclusion
      1. Premises Exposures
      2. Operations Exposures—Handling of Pollutants
      3. Operations Exposures—Other
    7. Aircraft, Auto, or Watercraft Exclusion
      1. Contractual Liability
      2. Mobile Equipment
    8. Mobile Equipment Exclusion
    9. War Exclusion
    10. Damage to Property Exclusion
      1. Property Owned/Rented/Occupied by the Insured
      2. Alienated Premises
      3. Borrowed Property
      4. Personal Property
      5. Property on Which the Contractor is Working
      6. Faulty Workmanship
    11. Damage to "Your Product" Exclusion
    12. Damage to "Your Work" Exclusion
    13. “Impaired Property" Exclusion
      1. "Your Product" and Breach of Contract
    14. Recall of Products, Work, or Impaired Property
    15. Personal and Advertising Injury
    16. Electronic Data
  5. Coverage B
    1. Insuring Agreement
    2. Exclusions
      1. Intentional Injuries
      2. Publishing Activities
      3. Internet-Related Exclusions
      4. Criminal Acts
      5. Contractual Liability
      6. Breach of Contract
      7. Failure To Meet Performance and Price Guarantees
      8. Pollution
  6. Supplementary Payments (Coverages A and B)
    1. Defense of Indemnitees
  7. Coverage C—Medical Payments
    1. Exclusions
  8. Who Is an Insured (Section II)
    1. Family and Business Relationships
    2. Employees
    3. Legal Representatives
    4. Newly Acquired Organizations
    5. Additional Insureds
  9. Limits of Insurance (Section III)
    1. Products-Completed Operations Hazard
  10. Policy Conditions (Section IV)
    1. Duties in the Event of Occurrence, Claim, or Suit
      1. What Is "Prompt" Notice?
      2. The Question of "Knowledge"
    2. Other Insurance Provision
      1. CGL as Excess
      2. Conflicting Provisions
      3. Impact of an Indemnity Agreement
    3. Separation of Insureds Provision
    4. Subrogation Provision
  11. CGL Endorsements
    1. Endorsements that Expand Coverage
      1. Alienation of Premises—Turnkey Jobs
      2. Designated Pollutants Coverage
      3. Contractual Liability—Railroads
      4. Riggers Liability Coverage
    2. Endorsements that Constrict Coverage
      1. Professional Liability Exclusion
      2. Mold Exclusion
      3. EIFS (Synthetic Stucco) Exclusion
      4. X, C, U Exclusion
      5. Total Pollution Exclusion
      6. Designated Work Exclusion
      7. Earth Movement Exclusion
      8. Residential Construction Exclusions
      9. Construction Management Errors and Omissions Exclusion
      10. Contractually-Assumed Liabilities
      11. Damage to “Your Work”—No Subcontractor Exception
    3. Endorsements that Change the Policy Conditions
      1. Designated Limit of Insurance
      2. Unintentional Failure To Disclose Hazards
      3. Notice Requirements
        1. Extended Notice of Cancellation, Nonrenewal, or Policy Change
        2. Modified Notice of Occurrence
    4. “Who Is an Insured” Endorsements
      1. Broad Form Named Insured Endorsement
      2. Injury to a Fellow Employee
      3. Additional Insured Endorsements
        1. Owners, Lessees, or Contractors
        2. Design Professionals as Additional Insureds
  12. Consolidated Insurance Programs and Joint Ventures
    1. Consolidated Insurance Programs
    2. Joint Ventures
  13. Umbrella Liability Insurance
    1. Scope of Coverage
      1. Insuring Agreement
    2. Exclusions
      1. "Property Damage" Exclusions
      2. Contractor Limitation Endorsements