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OnDemand Course

Recurring Issues and Questions In CGL Coverage

Gain an understanding of the frequent concerns and inquiries regarding CGL coverage.

In an era of increased risk where natural and man-made disasters and accidents are commonplace and frequently involve liability associated with environmental loss, injury involving the use of social media and big data, and the growing costs associated with defending and resolving lawsuits, it is imperative for risk managers, attorneys, and business leaders to be acutely aware of scope of and common issues arising under commercial general liability (CGL) policies. CGL insurance commonly provides a defense from a lawsuit where there is potential coverage and provides indemnity for any covered claim, settlement, or judgment. This topic will provide you with insight into the key coverages available and concerns that arise in the CGL insurance arena and provide guidance regarding common issues and questions under a CGL policy. This topic will open with a discussion of how CGL insurance operates, including a review of the major types of liability covered under a CGL policy, access to CGL coverage as an additional insured, and understanding a basic CGL coverage tower. We will then discuss the most significant recurring issues and questions related to CGL coverage, focusing on the duty to defend, common policy exclusions, concerns when pursuing coverage for long-tail asbestos and environmental claims, and allocation and exhaustion issues. We will conclude with a discussion of the recurring issues and questions to consider in connection with how insurers handle CGL claims.

66 minutes
Course Exam
Certificate of Completion
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Why Lorman?

Over 37 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Agenda

Types of Commercial General Liability (CGL) Coverage

  • Nature of Coverage
  • Coverage A: Bodily Injury and Property Damage
  • Coverage B: Personal and Advertising Injury
  • Additional Insured Coverage

The CGL Coverage Tower - Distinguishing Between Primary, Umbrella and Excess Coverage

  • Primary Policies
  • Umbrella Policies
  • Excess Policies

CGL Duty to Defend

  • Defining the Duty to Defend
  • Determining the Existence of the Duty to Defend: The Eight Corners Rule
  • Conflicts of Interest and Right to Independent Counsel
  • Insurer Counsel Guidelines

Recurring CGL Issues

  • Common Exclusions
  • Long-Tail Asbestos Coverage
  • Environmental Coverage
  • Allocation
  • Exhaustion

CGL Claims Handling Issues

  • Notice Issues
  • Duty to Cooperate
  • Responding to a Reservation of Rights
  • Bad Faith
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Why Lorman?

Over 37 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Credits

OnDemand Course

Applications have not yet been submitted for Delaware, Idaho, Kentucky, Maine, New Hampshire, Ohio, Oklahoma, South Carolina, and Wyoming CLE for this course. However, if you are interested in obtaining CLE for any of the listed states or have any additional credit questions please email us at [email protected] or call us at 866-352-9540.

This course was last revised on November 16, 2021.

Call 1-866-352-9540 for further credit information.

  • AR CLE 1.0
     
  • This course has been approved for 1.0 hours of CLE by the Arkansas CLE Board.
     
  • CA MCLE 1.0
     
  • Lorman Business Center, LLC. is a State Bar of California approved MCLE sponsor and this course qualifies for 1.0 CLE hours of participatory credit.
     
  • GA CLE 1.0
     
  • This program has been approved by the Georgia Commission on Continuing Lawyer Competency for 1.0 CLE hours.
     
  • NM CLE 1.0
     
  • This program has been approved by the New Mexico Minimum Continuing Legal Education Board for 1.0 hours of credit.
     
  • NV CLE 1.0
     
  • This program has been approved by the Nevada Board of Continuing Legal Education for 1.0 CLE hours.
     
  • NY CLE 1.0 including Areas of Professional Practice 1
     
  • This course has been approved in accordance with the requirements of the New York Continuing Legal Education Board for up to a maximum of 1.0 credit hours in the area(s) of Areas of Professional Practice for 1.00 hour. Each hour may be counted only as satisfying one category of credit. Duplicate credit for the same hour of instruction is not permitted. This course qualifies for both established and newly admitted attorneys. Lorman Business Center, LLC. has a financial hardship guideline. Please contact customer service at 1.866.352.9539 for instructions on how to apply.
     
  • OR CLE 1.0
     
  • Approved for 1.0 CLE credits in Oregon.
     
  • WA CLE 1.0
     
  • This program has been approved by the Washington State Board of Continuing Legal Education for 1.0 hours of A/V credit under the Law & Legal Procedure category.
     
The CLE Code is ONLY a requirement when applying for CLE Credit in New York. Other states do not need to supply the CLE Code to apply for CLE credit.

To earn each credit Lorman offers through the OnDemand learning platform, you need to watch 100% of the program. Also, for certain credits you will need to fulfill additional requirements which will be displayed on the "credits" tab when viewing the course.

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

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Why Lorman?

Over 37 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Faculty

Bradley H. Dlatt

Bradley H. Dlatt

Perkins Coie LLP

Bradley Dlatt

  • Counsel in the insurance recovery practice in Perkins Coie LLP’s Chicago office
  • Practice focuses on providing insurance counseling to businesses and resolving insurance coverage disputes, including representing corporate, non-profit, and individual policyholders in coverage mediation, arbitration, and litigation
  • Recognized by Business Insurance as a 2022 Break Out Award winner, recognizing the top professionals under 40 years old in the insurance industry
  • Regularly writes and presents on insurance coverage issues
  • Can be contacted at [email protected] or 312-324-8499
Kevin B. Dreher

Kevin B. Dreher

Barnes & Thornburg LLP

  • Partner, Barnes & Thornburg LLP, co-chair of Insurance Recovery Practice
  • Litigator and trial lawyer focusing on insurance recovery on behalf of policyholders, complex commercial litigation, and dispute-related counseling
  • Has represented policyholders and recovered hundreds of millions of dollars in a wide range of insurance coverage disputes, including long-tail environmental, toxic tort, and asbestos claims under general liability policies; claims for media liability and PAIL coverage; losses stemming from natural and man-made disasters and COVID-19 under first-party and business interruption insurance; securities and fiduciary duty claims triggering D&O liability coverage and professional liability insurance; and losses under ocean cargo marine and storage policies
  • Can be contacted at [email protected] or 312-214-8308
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Why Lorman?

Over 37 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

All of your training, right here at Lorman

All of your training, right here at Lorman.

Pay once and get a full year of unlimited training in any format, any time!

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  • State Specific Credit Tracker
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Questions? Call 877-296-2169 to speak with a real person.

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Product ID: 409188
Published 2021
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