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 June 20, 2016  

Words and Terms Used Throughout the Policy

 Summary: Words and terms that have a contractually defined meaning that applies throughout the commercial general liability (CGL) coverage forms are discussed in this article. The definition section of the CGL form is section V in the occurrence version and section VI in the claims-made version.

 Topics covered:

Your work

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Named Insured

 Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy.

 Analysis

 This definition is simple enough but it should be remembered for its special significance when used within the body of the CGL form. For example, when an exclusion applies to "you", that means that only the named insured is affected by the exclusion. This is true also when an insuring agreement or a condition refers to "you" or "your"; only the named insured is the affected party, and not every person or organization that qualifies as an insured under the CGL form.

 Insurer

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