Understanding the CGL Policy In California

Understanding The Current CGL Policy In California Bridgeport Continuing Education San Francisco, California November 14, 2008

Introductions ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Policy Types ,[object Object],[object Object]

Components of a CGL Policy ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Primary, Excess & Umbrella Coverage ,[object Object],[object Object],[object Object]

Primary, Umbrella, and Excess Coverage CGL Limits Events Covered Umbrella

Rules of Construction ,[object Object],[object Object],[object Object],[object Object]

The Plain Meaning Rule ,[object Object],[object Object],[object Object],[object Object]

Objectively Reasonable Expectations ,[object Object],[object Object],[object Object],[object Object]

Ambiguous Terms Interpreted Against Insurer ,[object Object],[object Object]

Exclusions Must Be Conspicuous, Plain And Clear ,[object Object],[object Object]

CGL Coverages ,[object Object],[object Object],[object Object],[object Object]

Bodily Injury ,[object Object],[object Object]

Bodily Injury ,[object Object],[object Object],[object Object],[object Object],[object Object]

Property Damage ,[object Object],[object Object],[object Object],[object Object],[object Object]

The Insuring Agreement ,[object Object]

All Sums ,[object Object],[object Object]

Legally Obligated To Pay ,[object Object]

Damages ,[object Object],[object Object],[object Object],[object Object]

Personal Injury & Advertising Injury ,[object Object],[object Object]

Advertising Injury Coverage: 3-Part Test ,[object Object],[object Object],[object Object]

Advertising Injury Offenses – 1986 Form ,[object Object],[object Object],[object Object],[object Object]

Differences in 1986 and pre-1986 Forms ,[object Object],[object Object]

What Is “Advertising?” ,[object Object],[object Object]

1986 Personal Injury ,[object Object],[object Object],[object Object],[object Object],[object Object]

1998 Personal Injury and Advertising Injury – Key Changes ,[object Object],[object Object],[object Object],[object Object]

Occurrence ,[object Object],[object Object]

“Accident” ,[object Object],[object Object],[object Object]

Number of Occurrences ,[object Object],[object Object]

Personal and advertising injury offenses ,[object Object],[object Object],[object Object]

Trigger of Coverage ,[object Object]

Trigger of Coverage - Theories ,[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],Trigger—BI/PD Act Damage Year 1 Year 2

[object Object],Trigger-BI/PD Damage Damage Year 1 Year 2 Discovery Year 3

Trigger of Coverage ,[object Object],[object Object],[object Object]

Exclusions ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Intentional Conduct ,[object Object],[object Object],[object Object],[object Object]

Property You Own, Rent or Occupy ,[object Object],[object Object],[object Object],[object Object]

Your Product ,[object Object],[object Object],[object Object]

Work Performed ,[object Object],[object Object]

Sistership and Withdrawal from the Market ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Pollution ,[object Object],[object Object],[object Object]

Professional Services ,[object Object],[object Object],[object Object],[object Object]

Intellectual Property Exclusion ,[object Object],[object Object]

Liability Assumed Under Contract ,[object Object],[object Object],[object Object],[object Object]

Conditions ,[object Object],[object Object],[object Object],[object Object]

Conditions - Notice ,[object Object],[object Object],[object Object],[object Object],[object Object]

Conditions – Deductibles / SIRs ,[object Object],[object Object],[object Object]

Conditions - Cooperation ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Conditions – Voluntary Payments ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Conditions – No Action ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Duty to Defend ,[object Object],[object Object],[object Object]

Duty to Defend ,[object Object],[object Object],[object Object],[object Object]

Factual allegations are what counts ,[object Object],[object Object],[object Object]

Duty to Defend ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Section 533 ,[object Object],[object Object],[object Object]

Duty to Defend ,[object Object],[object Object],[object Object],[object Object],[object Object]

Ending The Defense Obligation ,[object Object],[object Object],[object Object]

Insured’s Right to Stay of Carrier’s Declaratory Relief Action ,[object Object]

Breach of the Duty to Defend ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Duty to Indemnify ,[object Object],[object Object],[object Object]

Allocation Issues ,[object Object],[object Object],[object Object],[object Object],[object Object]

Subrogation ,[object Object],[object Object]

Additional Insured Endorsements ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Ethical Considerations ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Defense With a Reservation of Rights ,[object Object],[object Object],[object Object]

Insurer’s Obligations With Respect To Appointed Defense Counsel ,[object Object],[object Object],[object Object],[object Object],[object Object]

Rule of Professional Conduct 3-310 ,[object Object],[object Object]

Conflicts of Interest ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Cumis – The Right to Independent Counsel ,[object Object],[object Object],[object Object]

Minimum Qualifications of Cumis Counsel ,[object Object],[object Object],[object Object],[object Object]

Fees Paid To Cumis Counsel ,[object Object],[object Object],[object Object],[object Object]

Obligations of Cumis Counsel ,[object Object],[object Object],[object Object],[object Object],[object Object]

Can The Carrier Insist On “Litigation Guidelines”? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Privilege Issues ,[object Object],[object Object],[object Object],[object Object]

Understanding the CGL Policy In California

Recommended

Recommended

More Related Content

What's hot

What's hot (20)

Similar to Understanding the CGL Policy In California

Similar to Understanding the CGL Policy In California (20)

Recently uploaded

Recently uploaded (20)

Understanding the CGL Policy In California