Play video

Liability Insurance Conditions and Exclusions

Learn about the conditions a policyholder must meet to get liability coverage and the claims against a policyholder that are typically excluded from liability coverage.


Liability insurance is third-party insurance, which means it protects a policyholder from claims by third parties. Commercial general liability, or CGL, insurance policies are common liability policies that protect businesses from third-party claims. In a separate lesson, we discussed a CGL policy’s typical coverage grant, which creates the universe of possible coverage. In this lesson, we’ll look at some common CGL policy conditions and exclusions, which reduce that potential coverage...