Products

Commercial Liability Insurance

The cost of IRMI application products depends on the size of your organization. The size ranges are as follows.

  • 1-9 Employees
  • 10-30 Employees
  • 31-60 Employees
  • 60+ Employees - Contact us for a quote!

To subscribe to an IRMI product, you can purchase either a single-seat license for an individual, or an unlimited group license for everyone in your organization. The cost depends on whether your firm qualifies as a "Small Business" or a "Large Business" under the definitions in the following table.

Item Individual Small Business Large Business
Users 1 Unlimited Unlimited
Agency/Brokerage Any size Under $10M Revenue $10M+ Revenue
Insurance Company Any size Under $100M Premium $100M+ Premium
Law Firm Any Size Under 10 coverage Lawyers 10+ Coverage Lawyers
Risk Mgmt. Dept. Any Size Any Size N/A
Other Organization Any Size Under 100 Employees 100+ Employees

There are two payment plan options for buying an IRMI subscription product.

  1. Monthly: The full annual cost is broken out over 12 monthly payments that are billed to your credit card each month.
  2. Annual: Get 5% off the annual cost of the 12 month subscription, and the reduced amount is billed to your credit card once per year.

Commercial Liability Insurance

Product type: 1 Year Subscription

Publication Date(s): 1985–2016

Update Schedule: Quarterly

Case Citations: 1,200+

Part of: Insurance Coverage Package

Discount: Prices shown include a 5% discount for choosing the annual payments option


Summary

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.

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
  • Supplies Lines Endorsements
  • Umbrella/Excess Liability
  • The Umbrella Policy
  • Umbrella/Excess Form Comparisons
  • Commercial Liability Insurance Tips
Download 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.
    Bonus Publication Icon

    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).

    Bonus Publication Icon

    In addition, you will also get access to hundreds of ACORD forms that have been approved for use in all 50 states and are accepted by more than 1,000 companies. Using standard forms such as these increases efficiency in insurance transactions. This InfoBase includes all the ACORD forms in PDF files.

    Bonus Publication Icon

    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.

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