Understanding 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 CGL Policy in California

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