Claims-Made CGL Form—Archived Article

September, 1998

Differences between Claims-Made and Occurrence Forms

Summary: The commercial general liability (CGL) coverage forms, CG 00 01 and CG 00 02, offer the same coverages: bodily injury and property damage liability, personal and advertising injury liability, and medical payments. The supplementary payments offered by the two forms and the definitions that reside in the two forms are the same. But, there are differences: the trigger of coverage, some conditions, and the extended reporting periods found in the claims-made version of the CGL form. This article will highlight the differences, reproducing only those parts in the CGL form that are unique to the claims-made version.

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