The occurrence CGL has three insuring agreements. A handy way to remember them: A is for accidents that hurt people or property, B is for business offenses with words, and C is for care, meaning medical bills paid without fault.

Coverage A, bodily injury and property damage liability: the insurer pays the damages the insured is legally obligated to pay because of bodily injury or property damage caused by an occurrence, if the injury or damage happens in the coverage territory during the policy period. The insurer has the right and duty to defend suits seeking those damages.

Coverage B, personal and advertising injury liability: it applies to injury caused by an offense arising out of the insured's business, if the offense was committed in the coverage territory during the policy period. The date of the offense controls, not the date of the suit. Example: a flyer that disparages a rival's services is published in 2024 and the suit comes in 2026; the 2024 policy responds.

Coverage C, medical payments: it pays reasonable medical expenses regardless of fault for bodily injury caused by an accident in the coverage territory during the policy period, if the expenses are incurred and reported within one year of the accident. It does not pay for injury to an insured (volunteer workers aside) or to a person hired to work for an insured.