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London form (BFPD)

Frequently called the London form B since it covers only property damage (PD) liability (no bodily injury (BI) coverage is provided), this is a special policy that provides broader coverage for care, custody, or control (CCC) and workmanship liability exposures than the standard general liability policy. Coverage is usually coordinated with the general liability policy by excluding PD coverage in the commercial general liability (CGL) policy. An alternative approach involves issuing the policy on a difference-in-conditions (DIC) basis whereby PD coverage is not removed from the CGL. The London form insures PD not covered by the CGL and would exclude coverage for PD that would be covered in the standard CGL policy.

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