Nasty Endorsements in the Commercial General Liability Program - And a Few Nice Endorsements to Consider

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The Commercial General Liability Coverage Form is the most commonly used policy to address liability exposures of our commercial/business clients. This coverage form has proven itself to be a comprehensive and versatile answer for the risk finance needs of those clients. Unfortunately, numerous endorsements can be added to the policy that reduce the scope of coverage in this form. This presentation will introduce some of these nasty endorsements and will remind participants that the agent must be on the lookout for these problematic changes to the policy. We will end our time together with a review of a few endorsements that can broaden coverage and should always be considered.

Basic Course Information

Learning Objectives

• Review of the CGL Insuring Agreements
• Review of important exclusionary endorsements that should be avoided as often as possible
• Review of broadening endorsements that should be considered on every risk 

Major Subjects

• Understanding the construction of the Commercial General Liability coverage form is vital to the insurance professional
• Recognizing areas where the CGL may work well for a client - then realizing the propensity of our carriers to limit and/or exclude coverages via endorsements puts the retail insurance agent at a competitive advantage
• Acknowledgement that endorsements can certainly be used to limit or exclude coverages - but they are also sometimes used to enhance coverages and may be used to simply clarity policy language