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  • 52 minutes

Comprehensive General Liability Insurance


Make sure you understand what your CGL policy covers.

The most common insurance policy that construction professionals think of when involved in a project is called either a commercial general liability insurance policy or a comprehensive general liability insurance policy. The basic concept of this type of insurance is that it provides broad coverage for accidental occurrences that result in personal injury or property damage to third parties. It typically does not cover intentional torts, defective construction itself, or consequential damages. The better way to think of what this type of insurance covers or doesn’t cover is that it doesn’t cover business risk – which is typically time, and time is money in construction. This video reviews CGL property damage or bodily injury, policy period and triggers, exclusions involved in construction claims, subrogation, and notice and other requirements.

Runtime: 51 minutes
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Michael Jay Rune, II

Michael Jay Rune, II

Shutts & Bowen LLP

  • Partner of the Miami office of Shutts & Bowen LLP (
  • Practice emphasizes construction, surety, and insurance law and related litigation since 1997
  • Lectures on issues important to the construction industry; co-author of Liability and Performance Bond Surety in The Law of Performance Bonds (ABA 1999)
  • Representative national clients include Lendlease (US) Construction Inc., The Carlyle Group (US Real Property), and Titan America
  • In addition to traditional construction disputes, represented clients in crane and partial collapses cases throughout the state of Florida
  • Recognized by Chambers USA: America’s Leading Lawyers for Business, construction; Best Lawyers in America®, construction law, Florida Trend’s Legal Elite, construction
  • J.D. degree, associate editor of the Cumberland Law Review, Cumberland School of Law, Samford University, Birmingham; B.A. degree, cum laude, University of Texas, Austin
  • Can be contacted at 305-415-9426 or [email protected]
Dana Chaaban

Dana Chaaban

Shutts & Bowen LLP

  • Attorney in the Miami office of Shutts & Bowen LLP, where she is a member of the Construction Litigation Practice Group
  • Focuses practice on commercial and construction litigation, where she represents developers, contractors, material suppliers, and design professionals in disputes involving construction defect claims, delay claims, construction lien issues, and contract disputes
  • Member of several professional and civic organizations
  • Adjunct professor of legal writing at the Florida International University College of Law
  • J.D. degree, magna cum laude, Florida International University; B.S. degree, magna cum laude, University of Florida
  • Can be contacted at 305-415-9430 or [email protected]
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