Products-completed operations hazard: bodily injury and property damage that happen away from premises the insured owns or rents and that arise out of the insured's product or the insured's work. Two things are left out: products still in the insured's physical possession, and work that has not yet been completed or abandoned. A shopper cut by a product on the insured's own shelf is a premises exposure, not a products exposure.

Insured contract: among other things, it includes the part of any other contract pertaining to the insured's business under which the insured assumes another party's tort liability to pay for bodily injury or property damage to a third person. Tort liability means liability the law would impose even without any contract. The CGL's contractual liability exclusion does not apply to insured contracts, so this assumed liability can be covered. Example: a subcontractor agrees to take on the general contractor's tort liability for injuries to the public on a project.

Coverage territory: the United States (including its territories and possessions), Puerto Rico and Canada, plus all other parts of the world in limited cases. One such case is injury from goods the insured made or sold in that core territory, if liability is decided in a suit on the merits in the core territory or in a settlement the insurer agrees to. A suit brought in France would not meet that condition.

Auto vs. mobile equipment: an auto is a land motor vehicle, trailer or semitrailer designed for travel on public roads. Mobile equipment includes vehicles such as forklifts and bulldozers designed mainly for use off public roads, and it is covered by the CGL. But self-propelled vehicles with permanently attached equipment such as street cleaners or truck-mounted cherry pickers are treated as autos.