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An Overview

This article presents an overview of the revisions that the Insurance Services Office (ISO) made to the commercial general liability (CGL) coverage form, effective December 2007. Since most umbrella forms provide coverage for the insured based on the coverages and wording of the underlying liability policy, this discussion of the revised CGL form will enable the reader to understand and compare his umbrella policy with the current wording found on the standard CGL form. The revisions made by ISO affect both the occurrence version and the claims-made version of the general liability coverage form.

12/07 CGL Form Revisions

The Insurance Services Office (ISO) has revised the commercial general liability coverage form (CGL) with an edition date of December 2007. The revisions are not extensive but this article is presented to keep the information on the CGL form current.

CG 00 67

This endorsement was introduced by ISO in 2005 and it was meant to exclude bodily injury, property damage, and personal and advertising injury arising out of any action or omission that violates or is alleged to violate the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act of 2003, or any other similar statute, ordinance, or regulation that prohibits or limits the sending, transmitting, communicating, or distribution of material or information. The December 2007 revision now incorporates this endorsement wording into the CGL form itself in the exclusion sections of both coverage A and coverage B. Under coverage A, exclusion q. applies to the distribution of material in violation of statutes and under coverage B, exclusion p. does the same.

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