White Paper

16 Pages
  • 16 Pages

Commercial General Liability Insurance


Whether you are the owner, general contractor or the subcontractor, make sure you have copies of all insurance policies to protect yourself.

On almost every construction project the contractor and subcontractors are required to provide some form of liability insurance coverage. In most construction contracts the general contractor and the subcontractors are to maintain liability insurance to protect against unforeseen events. A Commercial General Liability Insurance or a Comprehensive General Liability policy, both commonly referred to as a “CGL” Policy, are the most common in the market. This white paper reviews why insurance policies typically must define the names of the parties to the agreement, the subject matter of the insurance, the risk insured against, the time when the insurance will take effect in the effective period of the policy, as well as the premium, the conditions pertaining to insurance, and the form numbers and rendition dates of all endorsements to the insurance policy.



Dana Chaaban

Dana Chaaban

Carlton Fields, P.A.

  • Attorney in the Miami office of Carlton Fields, P.A.
  • 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
  • Can be contacted at 305-539-7417 or [email protected]
Michael Jay Rune, II

Michael Jay Rune, II

Carlton Fields, P.A.

  • Shareholder with Carlton Fields
  • More than 25 years of experience representing owner/developers, contractors, sureties, subcontractors, and suppliers in nearly all aspects of the construction industry and large-scale commercial construction projects
  • Has handled construction, surety, fidelity, and related insurance matters as well as mortgage fraud recovery through mediation, arbitration, and litigation in state and federal courts and mediates commercial and construction matters in Florida
  • Has represented clients in crane, scaffolding, and structural collapse cases
  • Known for his hard-hat approach to construction, spending time at construction sites and working with project managers and construction workers to gain firsthand knowledge of the construction industry and what goes on in the field
  • Published author and frequent speaker on issues important to the construction and fidelity industries
  • Recognized by Lorman Education Services for his above-benchmark customer course ratings and received the 2017 Platinum Distinguished Faculty Badge
  • Author of the International Association of Defense Counsel’s Annual Survey of Fidelity and Surety Law (1997–2004), and co-author of Liability and Performance Bond Surety in The Law of Performance Bonds (ABA 1999)
  • Board certified in construction law by The Florida Bar and a Supreme Court of Florida Certified Circuit Civil Mediator
  • J.D. degree, Samford University Cumberland School of Law; B.A. degree, cum laude, University of Texas at Austin

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