COMPARE: GL-200–AAIS COMMERCIAL LIABILITY COVERAGE FORM TO CG 00 01–ISO COMMERCIAL GENERAL LIABILITY COVERAGE FORM

(December 2018)

This is a comparison of the GL-200–AAIS Commercial Liability Coverage Form and CG 00 01–ISO Commercial General Liability Coverage. To provide an easy to read comparison, limited descriptions are used.

Note: This comparison follows the AAIS policy order and format.

Related Articles:

AAIS Commercial Liability Coverage Form Analysis

Commercial General Liability Policy Coverage Form Analysis

Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Insuring Agreement	Yes Mandatory Endorsement GL 0905 adds knowledge of incident	Same but refers to knowledge of losses before the policy period and refers to occurrences as the earliest time the insured knew of them.
Definitions	Located at the front of the form	Located at the back of the form
You and your	Yes	Same
We, us and our	Yes	Same
Advertising injury	Yes	Same but part of the personal and advertising injury definition
Auto	Yes	Similar but adds vehicles subject to financial responsibility laws
Basic territory	Yes	Not a defined term.
Bodily injury	Yes	Similar but has no reference to required care, loss of services, mental or emotional injury, suffering or distress
Coverage territory	Yes	Same
Damages	Yes	Not a defined term
Declarations	Yes	Not a defined term
Employee	Yes	Same
Impaired property	Yes	Similar but with reference to property being less useful
Insured	Yes For Limited Liability Companies GL-914- Limited Liability Company must be attached to provide insured status to members and managers.	Similar but found in Section II–Who Is An Insured Differences are: Volunteers are insureds Limited liability companies are an entity with insureds
Leased worker	Yes	Same
Limit	Yes	Not a defined term
Loading or unloading	Yes	Same
Occurrence	Yes	Similar but with the word hazardous
Personal injury	Yes	Same
Products/completed work hazard	Yes	Same but called products-completed operations hazard
Products	Yes	Same but called Your Product
Property damage	Yes	Similar but states electronic data is not tangible property
Temporary worker	Yes	Similar but adds persons hired to meet seasonal or short-term workload conditions
Terms	Yes	Not a defined term but included by inference in the insuring agreement
Your work	Yes	Same
Advertisement	Not a defined term	Defined in the coverage part
Executive officer	Not a defined term	Defined in the coverage part
Hostile fire	Defined in pollution exclusion	Defined in the coverage part and matches that in the AAIS exclusion
Mobile equipment	Defined within the Supplemental Coverages	Similar except for financial responsibility law statements
Pollutants	Defined in pollution exclusion	Very similar same but it does not include electrical or magnetic transmissions, whether visible or not, and sound emissions
Suit	Defined in Defense Coverage	Same
Volunteer worker	Not a defined term because volunteers are not insureds	Defined because volunteers are insureds.
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Principal Coverages
Coverage L–Bodily Injury Liability/Property Damage Liability	Yes	Coverage A–Bodily Injury and Property Damage Liability Same
Coverage M–Medical Payments	Yes	Coverage C–Medical Payments Same
Coverage N–Products/Completed Work	Yes	Part of Coverage A above Same
Coverage O–Fire Legal Liability	Yes	Part of Coverage A above as explained in Limits of Insurance
Coverage P–Personal Injury Liability/Advertising Injury Liability	Yes	Coverage B–Personal And Advertising Injury Liability Same
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Supplemental Coverages	These coverages are subject to all the terms of the Principal Coverages and do not increase the limits for those coverages	No similar section in the coverage form but coverages provided are referred to or included by inference in other sections of the form
Contractual Liability	Yes	Similar to definition of insured contract.
Incidental Medical Malpractice Injury	Yes	There is no professional exclusion, so this coverage is not needed.
Mobile Equipment	Yes	Similar to definition of mobile equipment except for items covered under financial responsibility laws.
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Defense Coverage Right and Duty to defend	Yes	Same but part of the insuring agreement
Defense ends after limits paid out.	Yes	Same but part of the insuring agreement
A list of defense costs paid by insurance company not part of limit.	Yes	Same as Supplementary Payments except: 1) $250 instead of $100 for the insured's loss of earnings for time away from work 2) $250 instead of $500 for traffic violation bonds 3) conditions added regarding indemnitee defense coverage
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 12 04
Exclusions That Apply to BI, PD, PI and/or AI
Contractual liability	Yes	Same
Professional services	Yes	None (added by endorsement)
Mobile equipment (contests or stunts)	Yes	Same but does not apply to PI/AI
Mobile equipment (transportation)	Yes	Same but does not apply to PI/AI
Auto, aircraft, watercraft or mobile equipment loading and unloading	Yes	Same but does not apply to PI/AI
Liquor liability	Yes	Similar but no coverage for supervising allegations, nor transportation situations. Also, addresses “set up” only operations.
War	Yes – mandatory GL 0163	Almost identical
Intentional acts	Yes	Same
Products/completed work hazard	Yes	No similar exclusion
Pollution on premises	Yes	Same except for liquid escaping from fuel tanks, etc., and hostile fire exception.
Pollution off premises	Yes	Same except for liquid escaping from fuel tanks etc. and hostile fire exception.
Pollution governmental request	Yes	Same, except if coverage would have existed without the request.
Employers liability	Yes	Similar but does not apply to PI/AI
Workers Compensation	Yes	Same
Employment practices	Yes	No corresponding exclusion but endorsement often attached
Personal and advertising injury	No similar or corresponding exclusion	Bodily injury from PI/AI is excluded.
Electronic Data	No similar or corresponding exclusion
Recording and Distribution of Material or Information in Violation of Law	Not exclusion in the coverage form but contained in the mandatory GL 1022	Yes
Lead	Mandatory exclusion GL-890	No separate exclusion but could be considered part of pollution exclusion
Data Breach	Mandatory exclusion GL 1353. PD, BI, AI, PI from confidential info breach and expenses related to it.	PD from loss of use etc. of electronic damage excluded.
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Additional exclusions that apply only to Personal Injury and/or Advertising Injury
Willful violation of laws	Yes	Same
False publication	Yes	Same but adds words “in any manner”
Breach of contract	Yes	Same
Failure to conform	Yes	Same
Advertising Injury for specific businesses	Yes	Same but internet operations are added.
Advertising injury due to wrong prices	Yes	Same
Pollution	Yes	Similar
Knowing violation of rights of another	No corresponding exclusion	Yes
Infringement of copyright, patent, trademark or trade secret	No corresponding exclusion	Yes
Electronic chatrooms or bulletin boards	No corresponding exclusion	Yes
Unauthorized use of another's name or product	No corresponding exclusion	Yes
Recording and Distribution of Material or Information in Violation of Law	Not exclusion in the coverage form but contained in the mandatory GL 1022	Yes
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Additional exclusions that apply only to property damage
Property owned or occupied by the insured	Yes	Similar but coverage applies to premises rented less than 7 days subject to Damage to Premises Rented to You limit.
Property sold, given away or abandoned	Yes	Same
Property used by or loaned to the insured	Yes	Same
Personal property in the insured's care, custody or control	Yes	Same
Real property being worked on	Yes	Same
Faulty workmanship	Yes	Same
Damage to products	Yes	Same
Damage to the insured's work	Yes	Same
Property damage to property not physically damaged and product recall	Yes	Same
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Additional exclusions that apply only to medical payments	These exclusions apply in addition to the other exclusions that apply to bodily injury	Same
Medical payments to an insured	Yes	Same
Medical payments to employees	Yes	Same
Medical payments to persons normally occupying the premises	Yes	Same
Medical payments due to athletic activities	Yes	Same
Medical payments due to the products/completed work hazard	Yes	Same
Medical payments to members of a club	Yes	Mandatory endorsement must be attached
Medical payments to lodging guests	Yes	Mandatory endorsement must be attached
Medical payments covered under workers compensation or similar coverage	Yes	Same
Medical payments to students, campers, patients or inmates	Yes	Mandatory endorsement must be attached
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
What must be done in case of loss
Notice	Yes	Same
Cooperation	Yes	Same
Volunteer payments	Yes	Same
Other duties	Yes	Same
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
How much we pay
Limits on declarations	Yes	Same
Medical payments does not admit liability	Yes	No corresponding statement
General Aggregate	Yes	Same
Products/Completed Work Aggregate	Yes	Same
Occurrence Limit	Yes	Same
Coverage P Limit	Yes	Same
Coverage O Limit	Yes	Same
Coverage M Limit	Yes	Same
12-month aggregate	Yes	Same
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Conditions
Bankruptcy	Yes	Same
Insurance under more than one policy	Yes. Mandatory GL 1020 makes additional insured protection primary	Same – no endorsement needed.
Misrepresentation, concealment or fraud	Yes	Similar to representation clause but no mention of concealment or fraud
Motor vehicle financial responsibility certification	Yes	No corresponding condition
Premium	Yes	Same
Separate insureds	Yes	Same except first named insured has some extra rights and responsibilities.
Subrogation	Yes	Same
Suit against us	Yes	Same
When we do not renew	No corresponding condition	Yes
Section	AAIS GL–200, Ed. 1.0	ISO CG 00 01 Ed. 04 13
Nuclear energy liability exclusion	This exclusion is part of the AAIS Commercial Liability Coverage Form and is located at the back of the form	This exclusion is not part of the ISO Commercial General Liability Coverage Form but is added as a mandatory separate endorsement IL 00 21–Nuclear Energy Liability Exclusion Endorsement