APA Commercial General study plan

Map the CGL coverage-part architecture (Coverage A, B, C, plus Supplementary Payments) and write a one-page outline from memory

Define occurrence, bodily injury, property injury, and personal and advertising injury in your own words with one example each

Read the insuring agreement for Coverage A and annotate every trigger word that limits or expands coverage

Build a personal glossary of 20 core CGL terms with page-style citations to your study outline (no external figure references)

Distinguish the three CGL coverage triggers (occurrence, offense, and claims-made style wording) and classify 10 fact patterns

Explain how the policy period, retroactive dates, and extended reporting provisions interact for claims-made forms

Work through the meaning of 'suit' and 'damages' and identify what Supplementary Payments covers beyond the limits

Draft 5 short hypotheticals where Coverage A vs Coverage B is the deciding issue

Analyze exclusions a through j (expected/intended, contractual, liquor, workers compensation, employer liability, pollution, aircraft/auto/watercraft, mobile equipment, war, and damage to property) and write a one-line rationale for each

Explain the business risk exclusions (your product, your work, impaired property, recall) and how they interlock

Identify the exceptions that bring coverage back within each major exclusion

Create a decision tree for applying exclusions to a new loss fact pattern

Master Coverage B personal and advertising injury offenses and the knowledge-of-falsity and authorized-use exceptions

Compare Coverage B exclusions (knowing violation, advertising injury arising out of breach of contract, quality/performance claims, infringement exceptions) against Coverage A exclusions

Explain Coverage C medical payments: who is insured, time limits, and why fault is irrelevant

Reconcile Supplementary Payments, who is an insured, and limits of liability (general aggregate, products-completed operations aggregate, each occurrence, personal and advertising injury limit, damage to premises rented)

Analyze Section IV conditions: duties in the event of occurrence, offense, claim, or suit, and the consequences of noncompliance

Explain legal action against us, separation of insureds, representative actions, and transfer of rights of recovery

Apply the 'other insurance' condition to primary, excess, and umbrella stacking scenarios

Explain the insured's duty to cooperate and how voluntary payments and obligations affect coverage

Define who is an insured: named insured, permissive users, employees, volunteers, and the scope of 'your work' and 'your product'

Apply the separation of insureds clause to insured-versus-insured disputes and cross-liability scenarios

Distinguish additional insured status from automatic insured status and describe endorsement mechanics conceptually

Analyze how the CGL interacts with umbrella/excess, workers compensation, and auto policies at the boundaries

Synthesize all coverage parts by resolving 15 mixed-topic scenarios under timed conditions

Identify your three weakest subtopics and write targeted remediation notes for each

Practice explaining exclusion exceptions and limits interplay aloud as if teaching a colleague

Review the distinction between occurrence-based and claims-made triggers one final time with fresh examples

Rehearse a full-length timed mock exam and record per-topic accuracy

Review every missed item and trace it to a specific policy section or exclusion

Condense your notes into a one-page final review sheet of triggers, exclusions, limits, and conditions

Confirm exam-day logistics and complete a final light review of the review sheet only