Commercial General Liability (CGL) Policy: The Complete Guide

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Find Answers to Your Coverage Questions and Know What the Issues Are

Many attorneys and businesses assume that a dispute will be covered by insurance, only to run into issues later on. The CGL policy is among the most misunderstood - which is why we've taken the opportunity to boil it down to its fundamental workings. This program will provide you with the need-to-know essentials of CGL policies so you can assess coverage and know where the holes are.

Speakers:

• Mitchell H. Kizner, Shareholder, Flaster Greenberg PC
• Michael J. Needleman, Partner, Fineman Krekstein & Harris PC
• Jeffrey P. Resnick, Shareholder, Sherman Silverstein Kohl Rose & Podolsky PA
• Charles E. Woolson Jr., Attorney, Law Firm of Charles E. Woolson Jr. LLC

Date & Time:

December 1, 2017
9:00 a.m - 4:30 p.m.

Location:

Holiday Inn Cherry Hill
2175 Marlton Pike
Cherry Hill, NJ 08002

Agenda:

• Foundation of Commercial General Liability Coverage
  9:00 - 9:45, Jeffrey P. Resnick
  1. Introduction to CGL Insurance
  2. CGL vs. Other Policies: Distinctions and Interactions
  3. Parts of a CGL Policy (with Sample Policy)
  4. Significance of the Named Insured Status
  5. Covered Partners and Employees
  6. Additional Insured Endorsements
• What is Covered: Understanding Coverages and Limits
  9:45 - 10:25, Michael J. Needleman
  1. Reading the Insuring Agreements
  2. Bodily Injury and Property Damage Liability Coverage
  3. Personal and Advertising Injury Coverage
  4. Medical Payments Coverage
  5. Policy Limits
• Defining "Occurrence"; When is Coverage Triggered?
  10:40 - 11:20, Mitchell H. Kizner
  1. Claims-Made vs. Occurrence Policies
  2. What Constitutes an "Occurrence"
  3. Case Law You Need to Know
  4. When Does the Occurrence Occur?
  5. Number of Occurrences
• Exclusions and Exceptions in CGL Policies
  11:20 - 12:00, Mitchell H. Kizner
  1. Usual vs. Atypical Exclusions
  2. Coverage A Exclusions
  3. Coverage B Exclusions
  4. Endorsements That Limit Coverage
• Duties Owed: The Duty to Defend, Conditions and Notice
  1:00 - 1:45, Michael J. Needleman
  1. A CGL Carrier's Duty to Defend
  2. Duty to Defend vs. Duty to Indemnify
  3. Understanding Conditions
  4. Timing of Notice: When May it Void Coverage?
  5. Cooperation and Misrepresentations Issues
• Common Coverage Issues
  1:45 - 2:30, Jeffrey P. Resnick
  1. Top Claims and Reasons for Denials of Coverage
  2. Frequently-Disputed Provisions: Key Case Law
  3. The Reservation of Rights Letter
  4. Broker and Agent Liability
  5. Emerging Issues in CGL Coverage
• When Multiple Policies Are Triggered
  2:45 - 3:30, Charles E. Woolson Jr.
  1. Relationship Between Primary and Excess Coverages
  2. Understanding the "Other" Insurance Clause
  3. Allocation of Defense and Indemnity Expenditures
• Legal Ethics
  3:30 - 4:30, Mitchell H. Kizner
  1. Tripartite Relationship
  2. Insured's Right to Select Counsel
  3. Attorneys' Fees
  4. Preserving Confidentiality

Credits

This program has been approved for 6 PA/7.2 NJ CLE credits.