General Liability
How the CGL policy works: coverages, endorsements, additional insureds, and the forms behind them.
Guides
What Is Excess Liability Insurance and When Does Your Business Need It?Excess liability insurance adds limits above your general liability, auto, and employers liability policies. When you need it, how limits stack, what it costs.July 13, 2026Read guide
CG 00 01 Explained: How the CGL Policy Coverage Form WorksHow the CG 00 01 commercial general liability form works, Coverage A, B, and C insuring agreements, defense costs outside the limits, and both aggregate limits.July 10, 2026Read guide
Named Insured vs. Additional Insured: Insured Status Tiers Under CG 00 01Named insured vs additional insured under CG 00 01. The three insured status tiers, first named insured duties, and where endorsement status runs out.July 10, 2026Read guide
Umbrella vs. Excess Liability Insurance: Broader Limits and Drop-Down CoverageUmbrella vs excess liability compared. How each adds limits above your primary policies, what follow form means, when umbrellas drop down, and which fits.July 10, 2026Read guide
What Is Professional Liability Insurance?What professional liability insurance covers, how E&O and professional indemnity insurance differ from general liability, who needs it, and what it costs.July 10, 2026Read guide
Additional Insured Endorsements, ExplainedWhat additional insured endorsements really do, CG 20 10 vs. CG 20 37, automatic status forms, primary and noncontributory wording, and the key traps.July 9, 2026Read guide
Occurrence vs. Claims-Made Insurance Policies: Which Trigger Pays Your Claim?How occurrence and claims-made policies trigger coverage differently, retroactive dates, extended reporting periods (tail), and how to switch without gaps.July 9, 2026Read guide
What Does General Liability Insurance Cover?What general liability insurance covers, Coverage A, B, and C of the CGL policy, the key exclusions, cost, and the endorsements that can quietly narrow it.July 9, 2026Read guide
Related forms
- ACORD 126Commercial General Liability SectionWhat the ACORD 126 general liability application section asks, how classifications and exposures set CGL premium, and why the subcontractor answers matter.
- ACORD 25Certificate of Liability InsuranceWhat the ACORD 25 certificate of liability insurance shows, why it confers no rights on the holder, and how to read the operations and certificate holder boxes.
- CG 00 01Commercial General Liability Coverage FormWhat the CG 00 01 Commercial General Liability Coverage Form covers, how its three coverage parts work, and who automatically counts as an insured under it.
- CG 20 01Primary and Noncontributory: Other Insurance ConditionWhat the CG 20 01 primary and noncontributory endorsement does, how it changes the other insurance condition, and when construction contracts demand it.
- CG 20 10Additional Insured: Owners, Lessees or Contractors (Scheduled Person or Organization)What the CG 20 10 additional insured endorsement does, why upstream parties demand it on construction contracts, and how its editions differ.
- CG 20 26Additional Insured: Designated Person or OrganizationWhat the CG 20 26 additional insured endorsement does, when it fits better than CG 20 10, and why municipalities, venues, and event sponsors request it.
- CG 20 37Additional Insured: Owners, Lessees or Contractors, Completed OperationsWhat the CG 20 37 completed operations additional insured endorsement covers, why contracts pair it with CG 20 10, and how long you must keep it in force.