Occurrence vs. claims-made triggers

Retroactive date and prior acts coverage

Tails: Basic and Supplemental Extended Reporting Periods

What “general liability” covers and leaves out

CGL limits of insurance

The three CGL insuring agreements: Coverages A, B and C

CGL definitions: occurrence, bodily injury, property damage, personal and advertising injury

CGL definitions: completed operations, insured contract, territory, autos and mobile equipment

CGL definitions: employees, leased and temporary workers, contractors

CGL exclusions: intended injury, liquor, workers' comp, employment practices

CGL exclusions: pollution; aircraft, auto and watercraft

CGL exclusions: care, custody or control; product recall

CGL exclusions: terrorism and microbial matter

Professional liability: why the CGL is not enough

Professional liability triggers: claims-made, claims-made and reported, occurrence

Defense provisions: professional liability vs. CGL

Professional liability: exposure, perils, insureds and exclusions

Employment practices and fiduciary liability

D&O liability: exposures and who is insured

D&O insuring agreements and exclusions

The management liability suite: K&R and cyber

EPLI: who is covered, exclusions, and what counts as a claim

EPLI: damages, wrongful acts, bodily injury carve-out, intentional acts

Commercial auto forms and the garage policy

Garagekeepers: legal liability vs. direct coverage

BAP coverage needs: owned, hired, non-owned and uninsured motorist

BAP covered auto symbols

BAP: who is insured and key exclusions

BAP physical damage and two individual endorsements

Motor carriers and truckers

Commercial umbrella and excess liability

Workers' compensation: the bargain and exclusive remedy

Misclassified workers and the ABC test

When coverage is required and how to secure it

The State Compensation Insurance Fund (SCIF)

Medical and temporary disability benefits

Retraining voucher, death and burial benefits

Workers' compensation fraud

Employers liability, other states, voluntary comp and 24-hour coverage

Experience rating and federal compensation programs