Your thoughts, please.

Connecticut Subscriber

“Territory” under the terms of the CGL form does include U.S. possessions, but we are not sure if military bases are considered U.S. territory or a possession. These bases exist through mutual contractual arrangement with the host country but U.S. troops guard theses bases. You might want to check with an attorney who is familiar with international law or military law on this point.

As for products/completed ops coverage, “territory” includes all parts of the world if the injury or damage arises out of goods or products made or sold in the U.S. or its territories or possessions. So, if the insured has goods or products it has made in the U.S. and those goods or products cause damage or injury on the overseas territory, the CGL coverage territory applies. If this is not the case, then the coverage territory definition is not met.

Note that this world-wide coverage is provided if the insured's responsibility to pay damages is determined in a lawsuit on the merits in the U.S., its territories and possessions.