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An occurrence policy offers lifetime coverage for incidents that occur during the policy period, regardless of when the claim is reported. A claims-made policy only covers incidents that occur and are reported within the policy's time frame unless a 'tail' extension is purchased.

Commercial general liability (CGL) is a form of comprehensive insurance that offers coverage in case of damage or injury caused by a business's operations or products, or on its premises.

An OCP helps cover claims for bodily injury and property damage that can result from two possible scenarios: The project owner's vicarious liability in connection with the contractor's work. The project owner's acts or omissions in connection with the general supervision of the contractor.

This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART. SCHEDULE Name of Person or Organization: (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.)

Is Occurrence or Claims-Made Better? There's not an advantage to having claims-made or occurrence coverage. You'll likely pay more for insurance written on an occurrence form. Be aware that insurers may write coverages on a certain type of policy.

A significant difference between the CG 20 10 and CG 20 33, is CG 20 33's requirement that there must be a written contract or agreement between the additional insured and the named insured. As a way to explain the significance of the written contract requirement, imagine a custom home building project.

General liability insurance (GLI) can help cover claims that your business caused bodily injury or property damage. This coverage is also known as commercial general liability insurance (CGL). You can get GLI as a standalone policy or bundle it with other key coverages through a Business Owner's Policy (BOP).