Commercial Liability Insurance (CLI) 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.
You get a "two-for-one" deal because Commercial Liability
Insurance includes CGL treatment and umbrella policy analysis. Plus, the
related summaries of supportive court cases are extensive and up to date.
This resource 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.
CLI covers hot topics such as additional insured coverage, construction
defects, cyber and privacy issues, and differences in editions of the CGL
policy.
Read a comprehensive analysis of all CGL coverages to put together the
best insurance program, including an examination of endorsements and
potential exposures.
Additionally, you can now see details of some decisions and a list of
cases citing IRMI reference services, expert commentary, and glossary
definitions in the new white paper, IRMI's
Influence in the Courts—Shaping Insurance Law.
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
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Table of Contents
Agents, Brokers, and Account Support Staff
- 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.
Risk Managers, Financial Executives, & Insurance
Buyers
- 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.
Underwriters
- 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.
Claims Adjusters
- 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.
Attorneys
- 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.
Consultants
- 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.
Your purchase of Commercial Liability Insurance comes with
access to thousands of coverage-line-specific insurance forms and
endorsements promulgated by the Insurance Services Offices, Inc. (ISO),
and the American Association of Insurance Services (AAIS).
You will also get access to the Contractor's Guide to
OCIPs, a handy reference that provides guidance on 39 issues
contractors should consider when accepting coverage through a wrap-up
or controlled insurance program. This publication was prepared by the
OCIP Task Force of the AGC of America.