Section 10.2 Scope of Coverage—Commercial General Liability Coverage Form

• Library: Insurance Practice 2015

The commercial general liability (CGL) coverage form CG 00 01 10 01 provides coverage for “bodily injury” and “property damage” under Coverage A:

Section I—COVERAGES

COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY

1. Insuring Agreement

a. We will pay those sums that the insured becomes legally obligated to pay as damages because of “bodily injury” or “property damage” to which this insurance applies. We will have the right and duty to defend the insured against any “suit” seeking those damages. However, we will have no duty to defend the insured against any “suit” seeking damages for “bodily injury” or “property damage” to which this insurance does not apply. We may, at our discretion, investigate any “occurrence” and settle any claim or “suit” that may result. . . .

Copyright, ISO Properties, Inc., 2001.

The CGL policy provides coverage for “personal and advertising injury” under Coverage B:

COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY

1. Insuring Agreement

a. We will pay those sums that the insured becomes legally obligated to pay as damages because of “personal and advertising injury” to which this insurance applies. We will have the right and duty to defend the insured against any “suit” seeking those damages. However, we will have no duty to defend the insured against any “suit” seeking damages for “personal and advertising injury” to which this insurance does not apply. We may, at our discretion, investigate any offense and settle any claim or “suit” that may result. . . .

Copyright, ISO Properties, Inc., 2001.

The question of what is included in coverage for “damages” under the CGL policy has been the subject of considerable litigation. The CGL policy...