Indiana General Liability Insurance

Commercial General Liability (CGL)

CGL policies protect businesses from third-party claims using ISO standard forms.

Coverage A - Bodily Injury & Property Damage

Covers claims for:

• Third-party bodily injury on premises
• Third-party property damage
• Products liability (injuries from products sold)
• Completed operations (injuries from completed work)

Legal defense costs are paid in addition to policy limits.

Coverage B - Personal & Advertising Injury

Covers claims for:

• Libel and slander
• Defamation
• False advertising
• Copyright infringement in advertising
• Wrongful eviction
• False arrest or detention

Coverage C - Medical Payments

• No-fault coverage for minor injuries on premises
• Typically $5,000 - $10,000 per person
• Helps prevent lawsuits over small claims

Coverage Triggers

Occurrence Form

• Coverage applies to injuries occurring during policy period
• Claims can be filed years later
• Most common for general liability

Claims-Made Form

• Coverage applies to claims made during policy period
• Retroactive date determines prior coverage
• Tail coverage may be needed when policy ends

CGL Limits

Professional Liability (Errors & Omissions)

For professionals providing advice or services:

• Covers negligent acts, errors, or omissions
• Claims-made trigger typically used
• Common for: insurance agents, accountants, consultants, IT professionals

Tail Coverage

When a claims-made policy ends, extended reporting period (tail) coverage allows claims to be reported after the policy expires for incidents during the policy period.

Umbrella and Excess Liability

Umbrella Liability

• Provides additional limits above underlying policies
• May broaden coverage beyond underlying policies
• Typically requires minimum underlying limits

Excess Liability

• Follows form of underlying policy exactly
• Provides additional limits only
• No coverage broadening

Indiana Comparative Fault Impact

Remember Indiana's 51% bar rule applies to liability claims:

• Claimants 51%+ at fault cannot recover
• Defense strategy may focus on claimant's fault percentage

Exam Tip: CGL Coverage A covers bodily injury and property damage; Coverage B covers personal and advertising injury. Know the difference between occurrence and claims-made triggers.