Commercial General Liability
The three coverage parts
Coverage A - Bodily Injury and Property Damage applies to an occurrence (an accident, including continuous or repeated exposure) that causes injury during the policy period. Coverage B - Personal and Advertising Injury covers offenses such as libel, slander, wrongful eviction, invasion of privacy, and infringement of copyright or slogan in an advertisement. Coverage C - Medical Payments pays minor medical expenses within a short window regardless of fault.
Limits structure
Know each: General Aggregate (other than products-completed operations), Products-Completed Operations Aggregate, Personal and Advertising Injury limit, Each Occurrence limit, Damage to Premises Rented to You (fire legal) limit, and a small per-person Medical Expense limit. Supplementary payments - defense costs, bail bonds, loss of earnings - are paid in addition to limits.
Exclusions that define the form
Expected or intentional injury; contractual liability (except insured contracts); liquor liability; workers compensation and employer's liability; pollution; aircraft, auto, and watercraft; mobile equipment; damage to property in the insured's care, custody, or control; damage to the insured's own product or work (including the impaired-property and recall exclusions); and professional liability. The business risk exclusions exist because the insured should not insure its own faulty workmanship.
Occurrence vs claims-made
An occurrence form covers injury that happens during the policy period, whenever reported. A claims-made form covers claims first made during the policy period, subject to a retroactive date and an extended reporting period.
Rule of thumb
If the claim is about the insured's own defective product or completed work, look for the business risk exclusions first - that is where the question is headed.