Essential to any construction project is an insurance program that adequately protects against the many risks that exist both during the building process and after completion. Among the types of insurance required, and arguably the most common form of construction risk coverage, is the Commercial General Liability (CGL) policy.
As with any insurance, the CGL contains conditions and exclusions that limit the insurer's obligations to the policyholder. In particular, the CGL includes a threshold requirement that the claim involve "bodily injury" or "property damage" caused by an "occurrence" — typically defined in CGL policies as an "accident."
