Commercial Lines - Cases and Coverages
FL116456 - 4 Hours
This continuing education course examines commercial general liability policies and court cases to provide adjusters with an understanding of coverage issues.





This continuing education class contains an in-depth analysis of commercial general liability (CGL) coverage with a thorough review of policy language. The duty to defend and the definition of a suit is explained through the review of actual court cases. Learn how the number of occurrences is determined in various situations including multiple shootings, employment practices, asbestos liability and wrongful death claims. This class also includes an analysis of how the number of occurrences was determined in the attacks on the World Trade Center.

Class highlights include:

  • The Duty to Defend

  • When Coverage is Triggered

  • Number of Occurrences

  • Explanation of The Cause Test, The Effects Test and The Unfortunate Event Test

  • Continuous or Repeated Exposure to Conditions

  • Reservation of Rights and Non-Waiver Agreements

  • Per Occurrence Limits Versus Aggregate Limits

  • Approved for 4 Hours of Elective Continuing Education