1. Coverage B - Personal and Advertising Injury Liability
Personal Injury
False arrest
Malicious prosecution
Wrongful eviction or entry
Slander and libel
Violation of right of privacy
Advertising Injury
Slander or libel
Violation of right of privacy
Misappropriation of ideas
Infringement of copyright, title or slogan

2. Coverage B Exclusions Apply to personal injury and advertising injury:
If statement is known to be false
If first publication took place before policy period
Arising out of willful criminal act
Assumed by contract
Apply to advertising injury only:
Breach of contract
Failure of product to conform with advertised quality
Wrong description of price
Committed by insured whose business is advertising, broadcasting, publication or telecasting

3. Coverage C - Medical Payments
Pays medical expenses of anyone injured on or on ways next to premises or off premises if caused by insured’s operations
Liability not required
Exclusions:
Insureds Employees or contractors
Anyone in part of premises they normally occupy
Anyone entitled to collect workers compensation
A person injured while taking part in athletics

4. Who is an Insured in the CGL Policy?
Named insured
Family members, partners, officers and directors
Employees of named insured
Acting within scope of employment
Co-employee exclusion
Medical professional liability exclusion
Property owned, occupied or used exclusion
Real estate managers
Legal representatives
Operators of mobile equipment
Newly acquired or formed organizations
Unnamed partnerships or joint ventures not covered

5. Limits of Insurance General Aggregate Limit
Most insurer will pay in total for:
Coverage A except products-completed operations
Coverage B and Coverage C
Products-Completed Operations Aggregate
Each Occurrence Limit
Coverage A and Coverage C
Personal and Advertising Injury Limit
Fire Damage Limit
Medical Expense Limit
Coverage C - per person

6. Triggers
Occurrence
Bodily injury or property damage must occur during the policy period
Claims-Made
Claim must be first made during the policy period or extended reporting period
Injury or damage must not have occurred before the policy’s retroactive date (if any) or after the end of the policy period

7. Extended Reporting Periods
Basic Extended Reporting Period (BERP)
Automatic if policy is canceled or not renewed
Renewal has later retroactive date or is occurrence policy
Covers claims reported within 5 years if occurrence reported within 60 days of end of policy period
Supplemental Extended Reporting Period (SERP)
Must be purchased within 60 days of end of policy period
Extends reporting period for unknown occurrences indefinitely and for known occurrences if claim develops after 5 years
Cost can be up to 200% of policy premium
Reinstates policy aggregate limits

8. Claims-Made Examples
Policy Effective 1/1/93-12/31/93 Retroactive Date 1/1/93
Premium $40,000 Policy Limits $500,000 per occurrence
$500,000 aggregate
Policy not renewed
No new policy is available
Insured purchases SERP for $80,000 in January 1994

9. Customer injured on 7/10/93
Claim filed 2/15/94
Claim settled for $200,000 on 6/14/95
$200,000 covered under BERP
Customer injured on 8/15/93
Incident reported to insurer on 12/18/93
Claim filed 6/10/97
Claim settled for $400,000 on 2/28/99
$300,000 covered under BERP
Customer injured on 5/1/93
Incident not known by insured until claim filed on 8/1/99
Claim settled for $700,000 on 3/10/02
$500,000 covered under SERP

10. Additional CGL Provisions
Exclusion of specific accidents, products, work or locations
Laser beam endorsement
Special claims-made conditions
Notice of an occurrence is not notice of a claim
Coverage is excess over occurrence policy with earlier effective date
Insured’s right to claim information
Claims-made versus occurrence premiums